<?xml version="1.0" encoding="UTF-8"?>
<edgarSubmission xmlns:com="http://www.sec.gov/edgar/common" xmlns="http://www.sec.gov/edgar/ncen">
  <schemaVersion>X0201</schemaVersion>
  <headerData>
    <submissionType>N-CEN</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <filer>
        <issuerCredentials>
          <cik>0000756913</cik>
          <ccc>XXXXXXXX</ccc>
        </issuerCredentials>
      </filer>
      <flags>
        <returnCopyFlag>true</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
        <confirmingCopyFlag>false</confirmingCopyFlag>
      </flags>
      <investmentCompanyType>N-1A</investmentCompanyType>
    </filerInfo>
    <seriesClass>
      <reportSeriesClass>
        <rptIncludeAllSeriesFlag>true</rptIncludeAllSeriesFlag>
      </reportSeriesClass>
    </seriesClass>
  </headerData>
  <formData>
    <generalInfo reportEndingPeriod="2019-12-31" isReportPeriodLt12="N"/>
    <registrantInfo>
      <registrantFullName>John Hancock Variable Insurance Trust</registrantFullName>
      <investmentCompFileNo>811-04146</investmentCompFileNo>
      <registrantCik>0000756913</registrantCik>
      <registrantLei>Z5DUWKEPW78QKD87GA06</registrantLei>
      <registrantstreet1>200 Berkeley Street</registrantstreet1>
      <registrantcity>Boston</registrantcity>
      <registrantzipCode>02116</registrantzipCode>
      <registrantstate>US-MA</registrantstate>
      <registrantcountry>US</registrantcountry>
      <registrantphoneNumber>6176634497</registrantphoneNumber>
      <websites>
        <website webpage="http://www.johnhancock.com/"/>
      </websites>
      <locationBooksRecords>
        <locationBooksRecord>
          <officeName>State Street Bank and Trust Company</officeName>
          <officeAddress1>One Lincoln Street</officeAddress1>
          <officeCity>Boston</officeCity>
          <officeStateCountry officeState="US-MA" officeCountry="US"/>
          <officeRecordsZipCode>02111</officeRecordsZipCode>
          <officePhone>6177863000</officePhone>
          <booksRecordsDesc>SSB maintains the accounting records and the custody of the assets</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>Wellington Management Company LLP</officeName>
          <officeAddress1>280 Congress Street</officeAddress1>
          <officeCity>Boston</officeCity>
          <officeStateCountry officeState="US-MA" officeCountry="US"/>
          <officeRecordsZipCode>02210</officeRecordsZipCode>
          <officePhone>6179515000</officePhone>
          <booksRecordsDesc>Records related to its functions as sub-advisor</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>Citibank, N.A.</officeName>
          <officeAddress1>388 Greenwich Street</officeAddress1>
          <officeCity>New York</officeCity>
          <officeStateCountry officeState="US-NY" officeCountry="US"/>
          <officeRecordsZipCode>10013</officeRecordsZipCode>
          <officePhone>8136041012</officePhone>
          <booksRecordsDesc>Citi maintains the accounting records and the custody of the assets</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>Wells Capital Management, Incorporated</officeName>
          <officeAddress1>525 Market Street</officeAddress1>
          <officeAddress2>10th Floor</officeAddress2>
          <officeCity>San Francisco</officeCity>
          <officeStateCountry officeState="US-CA" officeCountry="US"/>
          <officeRecordsZipCode>94105</officeRecordsZipCode>
          <officePhone>4153968000</officePhone>
          <booksRecordsDesc>Records related to its functions as sub-advisor</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>Pacific Investment Management Company LLC</officeName>
          <officeAddress1>650 Newport Center Drive</officeAddress1>
          <officeCity>Newport Beach</officeCity>
          <officeStateCountry officeState="US-CA" officeCountry="US"/>
          <officeRecordsZipCode>92660</officeRecordsZipCode>
          <officePhone>9497206000</officePhone>
          <booksRecordsDesc>Records related to its functions as sub-advisor</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>Western Asset Management Company</officeName>
          <officeAddress1>385 East Colorado Boulevard</officeAddress1>
          <officeCity>Pasadena</officeCity>
          <officeStateCountry officeState="US-CA" officeCountry="US"/>
          <officeRecordsZipCode>91101</officeRecordsZipCode>
          <officePhone>6268449400</officePhone>
          <booksRecordsDesc>Records related to its functions as sub-advisor</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>John Hancock Variable Insurance Trust</officeName>
          <officeAddress1>200 Berkeley Street</officeAddress1>
          <officeCity>Boston</officeCity>
          <officeStateCountry officeState="US-MA" officeCountry="US"/>
          <officeRecordsZipCode>02116</officeRecordsZipCode>
          <officePhone>6176634497</officePhone>
          <booksRecordsDesc>Records related to its functions as Registrant</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>John Hancock Variable Trust Advisers LLC</officeName>
          <officeAddress1>200 Berkeley Street</officeAddress1>
          <officeCity>Boston</officeCity>
          <officeStateCountry officeState="US-MA" officeCountry="US"/>
          <officeRecordsZipCode>02116</officeRecordsZipCode>
          <officePhone>6176632430</officePhone>
          <booksRecordsDesc>Records related to its functions as advisor</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>MANULIFE INVESTMENT MANAGEMENT (US) LLC</officeName>
          <officeAddress1>197 Clarendon Street</officeAddress1>
          <officeCity>Boston</officeCity>
          <officeStateCountry officeState="US-MA" officeCountry="US"/>
          <officeRecordsZipCode>02216</officeRecordsZipCode>
          <officePhone>6173751500</officePhone>
          <booksRecordsDesc>Records related to its functions as sub-advisor</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>Allianz Global Investors U.S. LLC</officeName>
          <officeAddress1>Bockenheirmer Landstrabe 42-44</officeAddress1>
          <officeCity>Frankfurt am Main</officeCity>
          <officeCountry>DE</officeCountry>
          <officeRecordsZipCode>60323</officeRecordsZipCode>
          <officePhone>2127393000</officePhone>
          <booksRecordsDesc>Records related to its functions as sub-advisor</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>T. Rowe Price Associates, Inc.</officeName>
          <officeAddress1>100 East Pratt Street</officeAddress1>
          <officeCity>Baltimore</officeCity>
          <officeStateCountry officeState="US-MD" officeCountry="US"/>
          <officeRecordsZipCode>21202</officeRecordsZipCode>
          <officePhone>18002255132</officePhone>
          <booksRecordsDesc>Records related to its functions as sub-advisor</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>GW &amp; K Investment Management, LLC</officeName>
          <officeAddress1>222 Berkeley Street</officeAddress1>
          <officeAddress2>15 Floor</officeAddress2>
          <officeCity>Boston</officeCity>
          <officeStateCountry officeState="US-MA" officeCountry="US"/>
          <officeRecordsZipCode>02116</officeRecordsZipCode>
          <officePhone>6172368900</officePhone>
          <booksRecordsDesc>Records related to its functions as sub-advisor</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>DWS INVESTMENT MANAGEMENT AMERICAS, INC.</officeName>
          <officeAddress1>345 Park Avenue</officeAddress1>
          <officeCity>NY</officeCity>
          <officeStateCountry officeState="US-NY" officeCountry="US"/>
          <officeRecordsZipCode>10154</officeRecordsZipCode>
          <officePhone>2122502500</officePhone>
          <booksRecordsDesc>Records related to its functions as sub-advisor</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>Dimensional Fund Advisors LP</officeName>
          <officeAddress1>6300 Bee Cave Road</officeAddress1>
          <officeAddress2>Building 1</officeAddress2>
          <officeCity>Austin</officeCity>
          <officeStateCountry officeState="US-TX" officeCountry="US"/>
          <officeRecordsZipCode>78746</officeRecordsZipCode>
          <officePhone>5123067400</officePhone>
          <booksRecordsDesc>Records related to its functions as sub-advisor</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>Franklin Mutal Advisers, Inc.</officeName>
          <officeAddress1>101 John F. Kennedy Parkway</officeAddress1>
          <officeCity>Short Hills</officeCity>
          <officeStateCountry officeState="US-NJ" officeCountry="US"/>
          <officeRecordsZipCode>07078</officeRecordsZipCode>
          <officePhone>973-912-2000</officePhone>
          <booksRecordsDesc>Records related to its functions as sub-advisor</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>RREEF America LLC</officeName>
          <officeAddress1>222 S. RIVERSIDE PLAZA</officeAddress1>
          <officeCity>Chicago</officeCity>
          <officeStateCountry officeState="US-IL" officeCountry="US"/>
          <officeRecordsZipCode>600606</officeRecordsZipCode>
          <officePhone>3125379247</officePhone>
          <booksRecordsDesc>Records related to its functions as sub-advisor</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>Jennison Associates LLC</officeName>
          <officeAddress1>466 Lexington Avenue</officeAddress1>
          <officeCity>New York</officeCity>
          <officeStateCountry officeState="US-NY" officeCountry="US"/>
          <officeRecordsZipCode>10017</officeRecordsZipCode>
          <officePhone>2124211000</officePhone>
          <booksRecordsDesc>Records related to its functions as sub-advisor</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>MANULIFE INVESTMENT MANAGEMENT (NORTH AMERICA) LIMITED</officeName>
          <officeAddress1>200 Bloor Street East</officeAddress1>
          <officeCity>Toronto</officeCity>
          <officeCountry>CA</officeCountry>
          <officeRecordsZipCode>M4W1E5</officeRecordsZipCode>
          <officePhone>4169263000</officePhone>
          <booksRecordsDesc>Records related to its functions as sub-advisor</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>SSgA Funds Management, Inc.</officeName>
          <officeAddress1>1 Iron Street</officeAddress1>
          <officeCity>Boston</officeCity>
          <officeStateCountry officeState="US-MA" officeCountry="US"/>
          <officeRecordsZipCode>02210</officeRecordsZipCode>
          <officePhone>617-786-3000</officePhone>
          <booksRecordsDesc>Records related to its functions as sub-advisor</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>Templeton Global Advisors Limited</officeName>
          <officeAddress1>One Franklin Parkway</officeAddress1>
          <officeAddress2>1st Floor Building 970</officeAddress2>
          <officeCity>San Mateo</officeCity>
          <officeStateCountry officeState="US-CA" officeCountry="US"/>
          <officeRecordsZipCode>94403</officeRecordsZipCode>
          <officePhone>9545277500</officePhone>
          <booksRecordsDesc>Records related to its functions as sub-advisor</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>Templeton Investment Counsel, LLC</officeName>
          <officeAddress1>1 Franklin Parkway</officeAddress1>
          <officeAddress2>1st Floor Building 970</officeAddress2>
          <officeCity>San Mateo</officeCity>
          <officeStateCountry officeState="US-CA" officeCountry="US"/>
          <officeRecordsZipCode>94403</officeRecordsZipCode>
          <officePhone>9545277500</officePhone>
          <booksRecordsDesc>Records related to its functions as sub-advisor</booksRecordsDesc>
        </locationBooksRecord>
      </locationBooksRecords>
      <isRegistrantFirstFiling>N</isRegistrantFirstFiling>
      <isRegistrantLastFiling>N</isRegistrantLastFiling>
      <registrantFamilyInvComp isRegistrantFamilyInvComp="Y" familyInvCompFullName="John Hancock Group of Funds"/>
      <registrantClassificationType>N-1A</registrantClassificationType>
      <totalSeries>53</totalSeries>
      <terminatedSeries>
        <terminatedSeriesInfo seriesName="Utilities Trust" seriesId="S000008333" terminationDate="11/2019"/>
        <terminatedSeriesInfo seriesName="International Growth Stock Trust" seriesId="S000029541" terminationDate="11/2019"/>
      </terminatedSeries>
      <isSecuritiesActRegistration>Y</isSecuritiesActRegistration>
      <directors>
        <director>
          <directorName>Hassell H. McClellan</directorName>
          <crdNumber>N/A</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-22056"/>
            <fileNumberInfo fileNumber="811-00945"/>
            <fileNumberInfo fileNumber="811-04146"/>
            <fileNumberInfo fileNumber="811-09140"/>
            <fileNumberInfo fileNumber="811-07455"/>
            <fileNumberInfo fileNumber="811-04642"/>
            <fileNumberInfo fileNumber="811-22906"/>
            <fileNumberInfo fileNumber="811-03006"/>
            <fileNumberInfo fileNumber="811-21779"/>
            <fileNumberInfo fileNumber="811-02485"/>
            <fileNumberInfo fileNumber="811-22733"/>
            <fileNumberInfo fileNumber="811-08568"/>
            <fileNumberInfo fileNumber="811-21777"/>
            <fileNumberInfo fileNumber="811-22441"/>
            <fileNumberInfo fileNumber="811-04186"/>
            <fileNumberInfo fileNumber="811-00560"/>
            <fileNumberInfo fileNumber="811-04630"/>
            <fileNumberInfo fileNumber="811-03999"/>
            <fileNumberInfo fileNumber="811-05979"/>
            <fileNumberInfo fileNumber="811-07705"/>
            <fileNumberInfo fileNumber="811-04173"/>
            <fileNumberInfo fileNumber="811-05968"/>
            <fileNumberInfo fileNumber="811-21131"/>
            <fileNumberInfo fileNumber="811-21202"/>
            <fileNumberInfo fileNumber="811-21287"/>
            <fileNumberInfo fileNumber="811-05908"/>
            <fileNumberInfo fileNumber="811-02402"/>
            <fileNumberInfo fileNumber="811-04651"/>
            <fileNumberInfo fileNumber="811-21416"/>
            <fileNumberInfo fileNumber="811-01677"/>
            <fileNumberInfo fileNumber="811-23027"/>
            <fileNumberInfo fileNumber="811-23418"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>Grace K. Fey</directorName>
          <crdNumber>N/A</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-03006"/>
            <fileNumberInfo fileNumber="811-05979"/>
            <fileNumberInfo fileNumber="811-01677"/>
            <fileNumberInfo fileNumber="811-21779"/>
            <fileNumberInfo fileNumber="811-02485"/>
            <fileNumberInfo fileNumber="811-22733"/>
            <fileNumberInfo fileNumber="811-08568"/>
            <fileNumberInfo fileNumber="811-21777"/>
            <fileNumberInfo fileNumber="811-22441"/>
            <fileNumberInfo fileNumber="811-04186"/>
            <fileNumberInfo fileNumber="811-00560"/>
            <fileNumberInfo fileNumber="811-04630"/>
            <fileNumberInfo fileNumber="811-03999"/>
            <fileNumberInfo fileNumber="811-04173"/>
            <fileNumberInfo fileNumber="811-05968"/>
            <fileNumberInfo fileNumber="811-21131"/>
            <fileNumberInfo fileNumber="811-21202"/>
            <fileNumberInfo fileNumber="811-21287"/>
            <fileNumberInfo fileNumber="811-05908"/>
            <fileNumberInfo fileNumber="811-02402"/>
            <fileNumberInfo fileNumber="811-04651"/>
            <fileNumberInfo fileNumber="811-21416"/>
            <fileNumberInfo fileNumber="811-22056"/>
            <fileNumberInfo fileNumber="811-04146"/>
            <fileNumberInfo fileNumber="811-23027"/>
            <fileNumberInfo fileNumber="811-23418"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>Marianne Harrison</directorName>
          <crdNumber>N/A</crdNumber>
          <isDirectorInterestedPerson>Y</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-03006"/>
            <fileNumberInfo fileNumber="811-05979"/>
            <fileNumberInfo fileNumber="811-01677"/>
            <fileNumberInfo fileNumber="811-21779"/>
            <fileNumberInfo fileNumber="811-02485"/>
            <fileNumberInfo fileNumber="811-22733"/>
            <fileNumberInfo fileNumber="811-08568"/>
            <fileNumberInfo fileNumber="811-21777"/>
            <fileNumberInfo fileNumber="811-22441"/>
            <fileNumberInfo fileNumber="811-04186"/>
            <fileNumberInfo fileNumber="811-00560"/>
            <fileNumberInfo fileNumber="811-04630"/>
            <fileNumberInfo fileNumber="811-03999"/>
            <fileNumberInfo fileNumber="811-04173"/>
            <fileNumberInfo fileNumber="811-05968"/>
            <fileNumberInfo fileNumber="811-21131"/>
            <fileNumberInfo fileNumber="811-21202"/>
            <fileNumberInfo fileNumber="811-21287"/>
            <fileNumberInfo fileNumber="811-05908"/>
            <fileNumberInfo fileNumber="811-02402"/>
            <fileNumberInfo fileNumber="811-04651"/>
            <fileNumberInfo fileNumber="811-21416"/>
            <fileNumberInfo fileNumber="811-22056"/>
            <fileNumberInfo fileNumber="811-04146"/>
            <fileNumberInfo fileNumber="811-23027"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>Deborah C. Jackson</directorName>
          <crdNumber>N/A</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-03006"/>
            <fileNumberInfo fileNumber="811-05979"/>
            <fileNumberInfo fileNumber="811-01677"/>
            <fileNumberInfo fileNumber="811-21779"/>
            <fileNumberInfo fileNumber="811-02485"/>
            <fileNumberInfo fileNumber="811-22733"/>
            <fileNumberInfo fileNumber="811-08568"/>
            <fileNumberInfo fileNumber="811-21777"/>
            <fileNumberInfo fileNumber="811-22441"/>
            <fileNumberInfo fileNumber="811-04186"/>
            <fileNumberInfo fileNumber="811-00560"/>
            <fileNumberInfo fileNumber="811-04630"/>
            <fileNumberInfo fileNumber="811-03999"/>
            <fileNumberInfo fileNumber="811-04173"/>
            <fileNumberInfo fileNumber="811-05968"/>
            <fileNumberInfo fileNumber="811-21131"/>
            <fileNumberInfo fileNumber="811-21202"/>
            <fileNumberInfo fileNumber="811-21287"/>
            <fileNumberInfo fileNumber="811-05908"/>
            <fileNumberInfo fileNumber="811-02402"/>
            <fileNumberInfo fileNumber="811-04651"/>
            <fileNumberInfo fileNumber="811-21416"/>
            <fileNumberInfo fileNumber="811-22056"/>
            <fileNumberInfo fileNumber="811-04146"/>
            <fileNumberInfo fileNumber="811-23027"/>
            <fileNumberInfo fileNumber="811-23418"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>James M. Oates</directorName>
          <crdNumber>N/A</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-22906"/>
            <fileNumberInfo fileNumber="811-07705"/>
            <fileNumberInfo fileNumber="811-00945"/>
            <fileNumberInfo fileNumber="811-09140"/>
            <fileNumberInfo fileNumber="811-07455"/>
            <fileNumberInfo fileNumber="811-04642"/>
            <fileNumberInfo fileNumber="811-05620"/>
            <fileNumberInfo fileNumber="811-22608"/>
            <fileNumberInfo fileNumber="811-04739"/>
            <fileNumberInfo fileNumber="811-22958"/>
            <fileNumberInfo fileNumber="811-03006"/>
            <fileNumberInfo fileNumber="811-05979"/>
            <fileNumberInfo fileNumber="811-01677"/>
            <fileNumberInfo fileNumber="811-21779"/>
            <fileNumberInfo fileNumber="811-02485"/>
            <fileNumberInfo fileNumber="811-22733"/>
            <fileNumberInfo fileNumber="811-08568"/>
            <fileNumberInfo fileNumber="811-21777"/>
            <fileNumberInfo fileNumber="811-22441"/>
            <fileNumberInfo fileNumber="811-04186"/>
            <fileNumberInfo fileNumber="811-00560"/>
            <fileNumberInfo fileNumber="811-04630"/>
            <fileNumberInfo fileNumber="811-03999"/>
            <fileNumberInfo fileNumber="811-04173"/>
            <fileNumberInfo fileNumber="811-05968"/>
            <fileNumberInfo fileNumber="811-21131"/>
            <fileNumberInfo fileNumber="811-21202"/>
            <fileNumberInfo fileNumber="811-21287"/>
            <fileNumberInfo fileNumber="811-05908"/>
            <fileNumberInfo fileNumber="811-02402"/>
            <fileNumberInfo fileNumber="811-04651"/>
            <fileNumberInfo fileNumber="811-21416"/>
            <fileNumberInfo fileNumber="811-22056"/>
            <fileNumberInfo fileNumber="811-04146"/>
            <fileNumberInfo fileNumber="811-23027"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>Gregory A. Russo</directorName>
          <crdNumber>N/A</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-03006"/>
            <fileNumberInfo fileNumber="811-05979"/>
            <fileNumberInfo fileNumber="811-01677"/>
            <fileNumberInfo fileNumber="811-21779"/>
            <fileNumberInfo fileNumber="811-02485"/>
            <fileNumberInfo fileNumber="811-22733"/>
            <fileNumberInfo fileNumber="811-08568"/>
            <fileNumberInfo fileNumber="811-21777"/>
            <fileNumberInfo fileNumber="811-22441"/>
            <fileNumberInfo fileNumber="811-04186"/>
            <fileNumberInfo fileNumber="811-00560"/>
            <fileNumberInfo fileNumber="811-04630"/>
            <fileNumberInfo fileNumber="811-03999"/>
            <fileNumberInfo fileNumber="811-04173"/>
            <fileNumberInfo fileNumber="811-05968"/>
            <fileNumberInfo fileNumber="811-21131"/>
            <fileNumberInfo fileNumber="811-21202"/>
            <fileNumberInfo fileNumber="811-21287"/>
            <fileNumberInfo fileNumber="811-05908"/>
            <fileNumberInfo fileNumber="811-02402"/>
            <fileNumberInfo fileNumber="811-04651"/>
            <fileNumberInfo fileNumber="811-21416"/>
            <fileNumberInfo fileNumber="811-22056"/>
            <fileNumberInfo fileNumber="811-04146"/>
            <fileNumberInfo fileNumber="811-23027"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>Steven R. Pruchansky</directorName>
          <crdNumber>N/A</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-03006"/>
            <fileNumberInfo fileNumber="811-05979"/>
            <fileNumberInfo fileNumber="811-01677"/>
            <fileNumberInfo fileNumber="811-21779"/>
            <fileNumberInfo fileNumber="811-02485"/>
            <fileNumberInfo fileNumber="811-22733"/>
            <fileNumberInfo fileNumber="811-08568"/>
            <fileNumberInfo fileNumber="811-21777"/>
            <fileNumberInfo fileNumber="811-22441"/>
            <fileNumberInfo fileNumber="811-04186"/>
            <fileNumberInfo fileNumber="811-00560"/>
            <fileNumberInfo fileNumber="811-04630"/>
            <fileNumberInfo fileNumber="811-03999"/>
            <fileNumberInfo fileNumber="811-04173"/>
            <fileNumberInfo fileNumber="811-05968"/>
            <fileNumberInfo fileNumber="811-21131"/>
            <fileNumberInfo fileNumber="811-21202"/>
            <fileNumberInfo fileNumber="811-21287"/>
            <fileNumberInfo fileNumber="811-05908"/>
            <fileNumberInfo fileNumber="811-02402"/>
            <fileNumberInfo fileNumber="811-04651"/>
            <fileNumberInfo fileNumber="811-21416"/>
            <fileNumberInfo fileNumber="811-22056"/>
            <fileNumberInfo fileNumber="811-04146"/>
            <fileNumberInfo fileNumber="811-23027"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>Andrew G. Arnott</directorName>
          <crdNumber>N/A</crdNumber>
          <isDirectorInterestedPerson>Y</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-03006"/>
            <fileNumberInfo fileNumber="811-05979"/>
            <fileNumberInfo fileNumber="811-01677"/>
            <fileNumberInfo fileNumber="811-21779"/>
            <fileNumberInfo fileNumber="811-02485"/>
            <fileNumberInfo fileNumber="811-22733"/>
            <fileNumberInfo fileNumber="811-08568"/>
            <fileNumberInfo fileNumber="811-21777"/>
            <fileNumberInfo fileNumber="811-22441"/>
            <fileNumberInfo fileNumber="811-04186"/>
            <fileNumberInfo fileNumber="811-00560"/>
            <fileNumberInfo fileNumber="811-04630"/>
            <fileNumberInfo fileNumber="811-03999"/>
            <fileNumberInfo fileNumber="811-04173"/>
            <fileNumberInfo fileNumber="811-05968"/>
            <fileNumberInfo fileNumber="811-21131"/>
            <fileNumberInfo fileNumber="811-21202"/>
            <fileNumberInfo fileNumber="811-21287"/>
            <fileNumberInfo fileNumber="811-05908"/>
            <fileNumberInfo fileNumber="811-02402"/>
            <fileNumberInfo fileNumber="811-04651"/>
            <fileNumberInfo fileNumber="811-21416"/>
            <fileNumberInfo fileNumber="811-22056"/>
            <fileNumberInfo fileNumber="811-04146"/>
            <fileNumberInfo fileNumber="811-23027"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>James R. Boyle</directorName>
          <crdNumber>N/A</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-03006"/>
            <fileNumberInfo fileNumber="811-05979"/>
            <fileNumberInfo fileNumber="811-01677"/>
            <fileNumberInfo fileNumber="811-21779"/>
            <fileNumberInfo fileNumber="811-02485"/>
            <fileNumberInfo fileNumber="811-22733"/>
            <fileNumberInfo fileNumber="811-08568"/>
            <fileNumberInfo fileNumber="811-21777"/>
            <fileNumberInfo fileNumber="811-22441"/>
            <fileNumberInfo fileNumber="811-04186"/>
            <fileNumberInfo fileNumber="811-00560"/>
            <fileNumberInfo fileNumber="811-04630"/>
            <fileNumberInfo fileNumber="811-03999"/>
            <fileNumberInfo fileNumber="811-04173"/>
            <fileNumberInfo fileNumber="811-05968"/>
            <fileNumberInfo fileNumber="811-21131"/>
            <fileNumberInfo fileNumber="811-21202"/>
            <fileNumberInfo fileNumber="811-21287"/>
            <fileNumberInfo fileNumber="811-05908"/>
            <fileNumberInfo fileNumber="811-02402"/>
            <fileNumberInfo fileNumber="811-04651"/>
            <fileNumberInfo fileNumber="811-21416"/>
            <fileNumberInfo fileNumber="811-22056"/>
            <fileNumberInfo fileNumber="811-04146"/>
            <fileNumberInfo fileNumber="811-23027"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>Charles L. Bardelis</directorName>
          <crdNumber>N/A</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-21416"/>
            <fileNumberInfo fileNumber="811-22056"/>
            <fileNumberInfo fileNumber="811-04146"/>
            <fileNumberInfo fileNumber="811-03006"/>
            <fileNumberInfo fileNumber="811-05979"/>
            <fileNumberInfo fileNumber="811-01677"/>
            <fileNumberInfo fileNumber="811-21779"/>
            <fileNumberInfo fileNumber="811-02485"/>
            <fileNumberInfo fileNumber="811-22733"/>
            <fileNumberInfo fileNumber="811-08568"/>
            <fileNumberInfo fileNumber="811-21777"/>
            <fileNumberInfo fileNumber="811-22441"/>
            <fileNumberInfo fileNumber="811-04186"/>
            <fileNumberInfo fileNumber="811-00560"/>
            <fileNumberInfo fileNumber="811-04630"/>
            <fileNumberInfo fileNumber="811-03999"/>
            <fileNumberInfo fileNumber="811-04173"/>
            <fileNumberInfo fileNumber="811-05968"/>
            <fileNumberInfo fileNumber="811-21131"/>
            <fileNumberInfo fileNumber="811-21202"/>
            <fileNumberInfo fileNumber="811-21287"/>
            <fileNumberInfo fileNumber="811-05908"/>
            <fileNumberInfo fileNumber="811-02402"/>
            <fileNumberInfo fileNumber="811-04651"/>
            <fileNumberInfo fileNumber="811-23027"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>Peter S. Burgess</directorName>
          <crdNumber>N/A</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-03006"/>
            <fileNumberInfo fileNumber="811-05979"/>
            <fileNumberInfo fileNumber="811-01677"/>
            <fileNumberInfo fileNumber="811-21779"/>
            <fileNumberInfo fileNumber="811-02485"/>
            <fileNumberInfo fileNumber="811-22733"/>
            <fileNumberInfo fileNumber="811-08568"/>
            <fileNumberInfo fileNumber="811-21777"/>
            <fileNumberInfo fileNumber="811-22441"/>
            <fileNumberInfo fileNumber="811-04186"/>
            <fileNumberInfo fileNumber="811-00560"/>
            <fileNumberInfo fileNumber="811-04630"/>
            <fileNumberInfo fileNumber="811-03999"/>
            <fileNumberInfo fileNumber="811-04173"/>
            <fileNumberInfo fileNumber="811-05968"/>
            <fileNumberInfo fileNumber="811-21131"/>
            <fileNumberInfo fileNumber="811-21202"/>
            <fileNumberInfo fileNumber="811-21287"/>
            <fileNumberInfo fileNumber="811-05908"/>
            <fileNumberInfo fileNumber="811-02402"/>
            <fileNumberInfo fileNumber="811-04651"/>
            <fileNumberInfo fileNumber="811-21416"/>
            <fileNumberInfo fileNumber="811-22056"/>
            <fileNumberInfo fileNumber="811-04146"/>
            <fileNumberInfo fileNumber="811-23027"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>William H. Cunningham</directorName>
          <crdNumber>N/A</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-21779"/>
            <fileNumberInfo fileNumber="811-02485"/>
            <fileNumberInfo fileNumber="811-22733"/>
            <fileNumberInfo fileNumber="811-08568"/>
            <fileNumberInfo fileNumber="811-21777"/>
            <fileNumberInfo fileNumber="811-22441"/>
            <fileNumberInfo fileNumber="811-04186"/>
            <fileNumberInfo fileNumber="811-00560"/>
            <fileNumberInfo fileNumber="811-04630"/>
            <fileNumberInfo fileNumber="811-03999"/>
            <fileNumberInfo fileNumber="811-04173"/>
            <fileNumberInfo fileNumber="811-05968"/>
            <fileNumberInfo fileNumber="811-21131"/>
            <fileNumberInfo fileNumber="811-21202"/>
            <fileNumberInfo fileNumber="811-21287"/>
            <fileNumberInfo fileNumber="811-05908"/>
            <fileNumberInfo fileNumber="811-02402"/>
            <fileNumberInfo fileNumber="811-04651"/>
            <fileNumberInfo fileNumber="811-21416"/>
            <fileNumberInfo fileNumber="811-22056"/>
            <fileNumberInfo fileNumber="811-04146"/>
            <fileNumberInfo fileNumber="811-03006"/>
            <fileNumberInfo fileNumber="811-05979"/>
            <fileNumberInfo fileNumber="811-01677"/>
            <fileNumberInfo fileNumber="811-23027"/>
          </fileNumbers>
        </director>
      </directors>
      <chiefComplianceOfficers>
        <chiefComplianceOfficer>
          <ccoName>Francis V. Knox, Jr.</ccoName>
          <crdNumber>001699647</crdNumber>
          <ccoStreet1>200 Berkeley Street</ccoStreet1>
          <ccoCity>Boston</ccoCity>
          <ccoStateCountry ccoState="US-MA" ccoCountry="US"/>
          <ccoZipCode>02116</ccoZipCode>
          <ccoPhone>XXXXXX</ccoPhone>
          <isCcoChangedSinceLastFiling>N</isCcoChangedSinceLastFiling>
          <ccoEmployers>
            <ccoEmployer ccoEmployerName="N/A" ccoEmployerId="N/A"/>
          </ccoEmployers>
        </chiefComplianceOfficer>
      </chiefComplianceOfficers>
      <isRegistrantSubmittedMatter>N</isRegistrantSubmittedMatter>
      <isPreviousLegalProceeding>N</isPreviousLegalProceeding>
      <isPreviousProceedingTerminated>N</isPreviousProceedingTerminated>
      <isClaimFiled>N</isClaimFiled>
      <coveredByInsurancePolicy isCoveredByInsurancePolicy="Y" isClaimFiledDuringPeriod="N"/>
      <isFinancialSupportDuringPeriod>N</isFinancialSupportDuringPeriod>
      <releaseNumbers isExemptionFromAct="Y">
        <releaseNumberInfo releaseNumber="IC-17970"/>
        <releaseNumberInfo releaseNumber="IC-18898"/>
        <releaseNumberInfo releaseNumber="IC-20843"/>
        <releaseNumberInfo releaseNumber="IC-21171"/>
        <releaseNumberInfo releaseNumber="IC-22268"/>
        <releaseNumberInfo releaseNumber="IC-24261"/>
        <releaseNumberInfo releaseNumber="IC-24431"/>
        <releaseNumberInfo releaseNumber="IC-25455"/>
        <releaseNumberInfo releaseNumber="IC-26041"/>
        <releaseNumberInfo releaseNumber="IC-26140"/>
        <releaseNumberInfo releaseNumber="IC-26865"/>
        <releaseNumberInfo releaseNumber="IC-27261"/>
        <releaseNumberInfo releaseNumber="IC-27310"/>
        <releaseNumberInfo releaseNumber="IC-27781"/>
        <releaseNumberInfo releaseNumber="IC-27873"/>
        <releaseNumberInfo releaseNumber="IC-28081"/>
        <releaseNumberInfo releaseNumber="IC-29865"/>
      </releaseNumbers>
      <principalUnderwriters>
        <principalUnderwriter>
          <principalUnderwriterName>John Hancock Distributors LLC</principalUnderwriterName>
          <principalUnderwriterFileNumber>8-15826</principalUnderwriterFileNumber>
          <principalUnderwriterCrdNumber>000005249</principalUnderwriterCrdNumber>
          <principalUnderwriterLei>N/A</principalUnderwriterLei>
          <principalUnderWriterStateCountry principalUnderWriterState="US-MA" principalUnderWriterCountry="US"/>
          <isPrincipalUnderwriterAffiliatedWithRegistrant>Y</isPrincipalUnderwriterAffiliatedWithRegistrant>
        </principalUnderwriter>
      </principalUnderwriters>
      <isUnderwriterHiredOrTerminated>N</isUnderwriterHiredOrTerminated>
      <publicAccountants>
        <publicAccountant>
          <publicAccountantName>PricewaterhouseCoopers LLP</publicAccountantName>
          <pcaobNumber>00238</pcaobNumber>
          <publicAccountantLei>5493002GVO7EO8RNNS37</publicAccountantLei>
          <publicAccountantStateCountry publicAccountantState="US-MA" publicAccountantCountry="US"/>
        </publicAccountant>
      </publicAccountants>
      <isPublicAccountantChanged>N</isPublicAccountantChanged>
      <isMaterialWeakness>N</isMaterialWeakness>
      <isOpinionOffered>N</isOpinionOffered>
      <isMaterialChange>N</isMaterialChange>
      <isAccountingPrincipleChange>N</isAccountingPrincipleChange>
      <paymentErrorSeries isPaymentErrorInNetAssetValue="Y">
        <seriesInfo seriesName="Global Bond Trust" seriesId="S000008233"/>
      </paymentErrorSeries>
      <isPaymentDividend>N</isPaymentDividend>
    </registrantInfo>
    <managementInvestmentQuestionSeriesInfo>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Managed Volatility Aggressive Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000008277</mgmtInvSeriesId>
        <mgmtInvLei>549300C66SGOTGZZ0D95</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022583" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022584" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022585" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Fund of Funds</fundType>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Brown Brothers Harriman &amp; Co.</securitiesAgentName>
            <securitiesAgentLei>5493006KMX1VFTPYPW14</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>0.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1922.590000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Virtu Americas LLC</brokerName>
            <brokerFileNo>8-68193</brokerFileNo>
            <brokerCrdNo>000149823</brokerCrdNo>
            <brokerLei>549300RA02N3BNSWBV74</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1464.460000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Pershing LLC</brokerName>
            <brokerFileNo>8-17574</brokerFileNo>
            <brokerCrdNo>000007560</brokerCrdNo>
            <brokerLei>ZI8Q1A8EI8LQFJNM0D94</brokerLei>
            <brokerStateCountry brokerState="US-NJ" brokerCountry="US"/>
            <grossCommission>622.320000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>4009.370000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>152697782.760000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Wells Fargo Securities, LLC</principalName>
            <principalFileNo>8-65876</principalFileNo>
            <principalCrdNo>000126292</principalCrdNo>
            <principalLei>VYVVCKR63DVZZN70PB21</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>1193347.720000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>98413082.800000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>71225722.470000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>63168691.310000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>38631803.360000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>6414381.570000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1934661.340000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>INTL FCStone Financial Inc.</principalName>
            <principalFileNo>8-51269</principalFileNo>
            <principalCrdNo>000045993</principalCrdNo>
            <principalLei>549300LNKU6K5TJCRG93</principalLei>
            <principalStateCountry principalState="US-FL" principalCountry="US"/>
            <principalTotalPurchaseSale>1879551.230000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Pershing LLC</principalName>
            <principalFileNo>8-17574</principalFileNo>
            <principalCrdNo>000007560</principalCrdNo>
            <principalLei>ZI8Q1A8EI8LQFJNM0D94</principalLei>
            <principalStateCountry principalState="US-NJ" principalCountry="US"/>
            <principalTotalPurchaseSale>1289914.530000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>437794012.400000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>363839675.970000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Managed Volatility Balanced Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000008279</mgmtInvSeriesId>
        <mgmtInvLei>54930078WY34ITNNPY55</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022593" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022594" sharesOutstandingTickerSymbol="JELBX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022595" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Fund of Funds</fundType>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Brown Brothers Harriman &amp; Co.</securitiesAgentName>
            <securitiesAgentLei>5493006KMX1VFTPYPW14</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>525450.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>639.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>26529.040000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Virtu Americas LLC</brokerName>
            <brokerFileNo>8-68193</brokerFileNo>
            <brokerCrdNo>000149823</brokerCrdNo>
            <brokerLei>549300RA02N3BNSWBV74</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4158.850000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Pershing LLC</brokerName>
            <brokerFileNo>8-17574</brokerFileNo>
            <brokerCrdNo>000007560</brokerCrdNo>
            <brokerLei>ZI8Q1A8EI8LQFJNM0D94</brokerLei>
            <brokerStateCountry brokerState="US-NJ" brokerCountry="US"/>
            <grossCommission>372.960000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>31060.850000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1556247897.530000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>18633509.440000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>1163172638.360000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>657459584.490000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>587774128.220000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>456535654.230000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>213918583.580000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>39750031.710000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Pershing LLC</principalName>
            <principalFileNo>8-17574</principalFileNo>
            <principalCrdNo>000007560</principalCrdNo>
            <principalLei>ZI8Q1A8EI8LQFJNM0D94</principalLei>
            <principalStateCountry principalState="US-NJ" principalCountry="US"/>
            <principalTotalPurchaseSale>22148533.580000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>INTL FCStone Financial Inc.</principalName>
            <principalFileNo>8-51269</principalFileNo>
            <principalCrdNo>000045993</principalCrdNo>
            <principalLei>549300LNKU6K5TJCRG93</principalLei>
            <principalStateCountry principalState="US-FL" principalCountry="US"/>
            <principalTotalPurchaseSale>19611160.850000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>4774239229.930000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>6761612924.670000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Managed Volatility Conservative Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000008281</mgmtInvSeriesId>
        <mgmtInvLei>549300UXKYYFLVYVVJ66</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022603" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022604" sharesOutstandingTickerSymbol="JELCX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022605" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Fund of Funds</fundType>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>0.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1786.730000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Virtu Americas LLC</brokerName>
            <brokerFileNo>8-68193</brokerFileNo>
            <brokerCrdNo>000149823</brokerCrdNo>
            <brokerLei>549300RA02N3BNSWBV74</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1137.830000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Pershing LLC</brokerName>
            <brokerFileNo>8-17574</brokerFileNo>
            <brokerCrdNo>000007560</brokerCrdNo>
            <brokerLei>ZI8Q1A8EI8LQFJNM0D94</brokerLei>
            <brokerStateCountry brokerState="US-NJ" brokerCountry="US"/>
            <grossCommission>521.700000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>3446.260000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>308905652.130000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Wells Fargo Securities, LLC</principalName>
            <principalFileNo>8-65876</principalFileNo>
            <principalCrdNo>000126292</principalCrdNo>
            <principalLei>VYVVCKR63DVZZN70PB21</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>2507099.310000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>227163015.690000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>124530059.950000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>113614555.550000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>93491896.770000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>29824917.890000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>4892372.430000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>INTL FCStone Financial Inc.</principalName>
            <principalFileNo>8-51269</principalFileNo>
            <principalCrdNo>000045993</principalCrdNo>
            <principalLei>549300LNKU6K5TJCRG93</principalLei>
            <principalStateCountry principalState="US-FL" principalCountry="US"/>
            <principalTotalPurchaseSale>3500172.160000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Pershing LLC</principalName>
            <principalFileNo>8-17574</principalFileNo>
            <principalCrdNo>000007560</principalCrdNo>
            <principalLei>ZI8Q1A8EI8LQFJNM0D94</principalLei>
            <principalStateCountry principalState="US-NJ" principalCountry="US"/>
            <principalTotalPurchaseSale>3429773.020000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>915274135.840000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1127979053.650000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="619510.090000000000" interfundLendingDaysOutstanding="3"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Managed Volatility Growth Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000008278</mgmtInvSeriesId>
        <mgmtInvLei>549300H0DBKF5XHQ9192</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022588" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022589" sharesOutstandingTickerSymbol="JELGX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022590" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Fund of Funds</fundType>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Brown Brothers Harriman &amp; Co.</securitiesAgentName>
            <securitiesAgentLei>5493006KMX1VFTPYPW14</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>43110.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>4619.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>36326.090000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Virtu Americas LLC</brokerName>
            <brokerFileNo>8-68193</brokerFileNo>
            <brokerCrdNo>000149823</brokerCrdNo>
            <brokerLei>549300RA02N3BNSWBV74</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>7212.690000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Pershing LLC</brokerName>
            <brokerFileNo>8-17574</brokerFileNo>
            <brokerCrdNo>000007560</brokerCrdNo>
            <brokerLei>ZI8Q1A8EI8LQFJNM0D94</brokerLei>
            <brokerStateCountry brokerState="US-NJ" brokerCountry="US"/>
            <grossCommission>294.240000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>43833.020000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1749036416.370000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>INTL FCStone Financial Inc.</principalName>
            <principalFileNo>8-51269</principalFileNo>
            <principalCrdNo>000045993</principalCrdNo>
            <principalLei>549300LNKU6K5TJCRG93</principalLei>
            <principalStateCountry principalState="US-FL" principalCountry="US"/>
            <principalTotalPurchaseSale>25462882.300000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>1327020956.820000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>780859123.720000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>673999791.890000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>501787352.480000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>252248432.050000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>53780194.180000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>27401402.640000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Pershing LLC</principalName>
            <principalFileNo>8-17574</principalFileNo>
            <principalCrdNo>000007560</principalCrdNo>
            <principalLei>ZI8Q1A8EI8LQFJNM0D94</principalLei>
            <principalStateCountry principalState="US-NJ" principalCountry="US"/>
            <principalTotalPurchaseSale>27338189.950000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>5448229066.630000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>8502930497.660000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Managed Volatility Moderate Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000008280</mgmtInvSeriesId>
        <mgmtInvLei>549300260TW7WVR5TW38</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022598" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022599" sharesOutstandingTickerSymbol="JELMX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022600" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Fund of Funds</fundType>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>0.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4332.160000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Virtu Americas LLC</brokerName>
            <brokerFileNo>8-68193</brokerFileNo>
            <brokerCrdNo>000149823</brokerCrdNo>
            <brokerLei>549300RA02N3BNSWBV74</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>540.420000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Pershing LLC</brokerName>
            <brokerFileNo>8-17574</brokerFileNo>
            <brokerCrdNo>000007560</brokerCrdNo>
            <brokerLei>ZI8Q1A8EI8LQFJNM0D94</brokerLei>
            <brokerStateCountry brokerState="US-NJ" brokerCountry="US"/>
            <grossCommission>249.420000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>5122.000000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>449872780.240000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>4179656.040000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>323133394.330000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>194058067.860000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>170363348.170000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>129523590.200000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>54237722.090000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>9865895.190000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Pershing LLC</principalName>
            <principalFileNo>8-17574</principalFileNo>
            <principalCrdNo>000007560</principalCrdNo>
            <principalLei>ZI8Q1A8EI8LQFJNM0D94</principalLei>
            <principalStateCountry principalState="US-NJ" principalCountry="US"/>
            <principalTotalPurchaseSale>5789616.710000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>INTL FCStone Financial Inc.</principalName>
            <principalFileNo>8-51269</principalFileNo>
            <principalCrdNo>000045993</principalCrdNo>
            <principalLei>549300LNKU6K5TJCRG93</principalLei>
            <principalStateCountry principalState="US-FL" principalCountry="US"/>
            <principalTotalPurchaseSale>5120414.410000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>1351680557.000000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1937462465.470000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>500 Index Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008219</mgmtInvSeriesId>
        <mgmtInvLei>5493003FTEZW8CTPWN10</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022362" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000117967" sharesOutstandingTickerSymbol="JFIVX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000117968" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
          <indexFundInfo fundType="Index Fund">
            <isIndexFundAffiliated>N</isIndexFundAffiliated>
            <isIndexFundExclusive>N</isIndexFundExclusive>
            <indexFundReturnDiffBeforeExpense>-0.050000000000</indexFundReturnDiffBeforeExpense>
            <indexFundReturnDiffAfterExpense>-0.440000000000</indexFundReturnDiffAfterExpense>
            <indexFundReturnDailyStdevBeforeExpense>0.170000000000</indexFundReturnDailyStdevBeforeExpense>
            <indexFundReturnDailyStdevAfterExpense>0.170000000000</indexFundReturnDailyStdevAfterExpense>
          </indexFundInfo>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Brown Brothers Harriman &amp; Co.</securitiesAgentName>
            <securitiesAgentLei>5493006KMX1VFTPYPW14</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>13143049.250000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>161838.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (North America) Limited</subAdviserName>
            <subAdviserFileNo>N/A</subAdviserFileNo>
            <subAdviserCrdNo>000125142</subAdviserCrdNo>
            <subAdviserLei>549300LJ707JK4TLLK97</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserCountry>CA</subAdviserCountry>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Cowen &amp; Company</brokerName>
            <brokerFileNo>8-22522</brokerFileNo>
            <brokerCrdNo>000007616</brokerCrdNo>
            <brokerLei>549300WR155U7DVMIW58</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>11840.170000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Barclays Bank PLC</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>G5GSEF7VJP5I7OUK5573</brokerLei>
            <brokerCountry>GB</brokerCountry>
            <grossCommission>3673.000000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>3204.390000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>2474.010000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1675.040000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Instinet, LLC</brokerName>
            <brokerFileNo>8-23669</brokerFileNo>
            <brokerCrdNo>000007897</brokerCrdNo>
            <brokerLei>549300MGMN3RKMU8FT57</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>687.520000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>23554.130000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>2869241000.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Folger Nolan Fleming Douglas Incorporated</principalName>
            <principalFileNo>8-3335</principalFileNo>
            <principalCrdNo>000000319</principalCrdNo>
            <principalLei>N/A</principalLei>
            <principalStateCountry principalState="US-MD" principalCountry="US"/>
            <principalTotalPurchaseSale>34970311.250000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>285054168.480000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>170297620.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>142321791.590000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>134742267.360000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Pershing LLC</principalName>
            <principalFileNo>8-17574</principalFileNo>
            <principalCrdNo>000007560</principalCrdNo>
            <principalLei>ZI8Q1A8EI8LQFJNM0D94</principalLei>
            <principalStateCountry principalState="US-NJ" principalCountry="US"/>
            <principalTotalPurchaseSale>114695544.220000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>91879271.700000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>69199848.620000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>49790504.170000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>3997099552.390000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>5619202959.310000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="9800000.000000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="2728207.330000000000" interfundLendingDaysOutstanding="3"/>
          <interfundLending interfundLendingLoanAverage="6013745.620000000000" interfundLendingDaysOutstanding="4"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>American Asset Allocation Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000017250</mgmtInvSeriesId>
        <mgmtInvLei>549300SWLGR8INV4LQ57</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000047744" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000047745" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series III" sharesOutstandingClassId="C000047746" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
          <masterFeederFundInfo fundType="Master-Feeder Fund">
            <masterFunds masterFundName="Asset Allocation Fund" masterFundFileNo="811-03857" masterFundSECFileNo="801-8055" masterFundLei="NZ0CKTWRMGPUOK1M2496"/>
          </masterFeederFundInfo>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>N</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>0.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.000000000000</aggregateCommission>
        <principalAggregatePurchase>0.000000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1375811177.400000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>American Global Growth Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000017256</mgmtInvSeriesId>
        <mgmtInvLei>549300852KGY81CM3O76</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000047764" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000047762" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series III" sharesOutstandingClassId="C000047763" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
          <masterFeederFundInfo fundType="Master-Feeder Fund">
            <masterFunds masterFundName="Global Growth Fund" masterFundFileNo="811-03857" masterFundSECFileNo="801-8055" masterFundLei="D3MER6QQK46EGG2D8R93"/>
          </masterFeederFundInfo>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>N</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>0.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.000000000000</aggregateCommission>
        <principalAggregatePurchase>0.000000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>209105096.080000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>American Growth Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008215</mgmtInvSeriesId>
        <mgmtInvLei>549300JO8N8GCMOI6336</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022347" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022348" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series III" sharesOutstandingClassId="C000022349" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
          <masterFeederFundInfo fundType="Master-Feeder Fund">
            <masterFunds masterFundName="Growth Fund" masterFundFileNo="811-03857" masterFundSECFileNo="801-8055" masterFundLei="B17BZT6N2A8R48VTU480"/>
          </masterFeederFundInfo>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>N</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>0.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.000000000000</aggregateCommission>
        <principalAggregatePurchase>0.000000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>835742783.820000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>American Growth - Income Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008247</mgmtInvSeriesId>
        <mgmtInvLei>549300G04VE35S3Q8R76</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022475" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022476" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series III" sharesOutstandingClassId="C000022477" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
          <masterFeederFundInfo fundType="Master-Feeder Fund">
            <masterFunds masterFundName="Growth-Income Fund" masterFundFileNo="811-03857" masterFundSECFileNo="801-8055" masterFundLei="UCVW0L2W23MYYH7ZDY46"/>
          </masterFeederFundInfo>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>N</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>0.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.000000000000</aggregateCommission>
        <principalAggregatePurchase>0.000000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>981080623.680000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>American International Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008216</mgmtInvSeriesId>
        <mgmtInvLei>549300HNUANG25RFVM18</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022351" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022352" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series III" sharesOutstandingClassId="C000022353" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
          <masterFeederFundInfo fundType="Master-Feeder Fund">
            <masterFunds masterFundName="International Fund" masterFundFileNo="811-03857" masterFundSECFileNo="801-8055" masterFundLei="54P03CIVU00CG5WE6525"/>
          </masterFeederFundInfo>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>N</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>0.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.000000000000</aggregateCommission>
        <principalAggregatePurchase>0.000000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>471279531.270000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Blue Chip Growth Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008217</mgmtInvSeriesId>
        <mgmtInvLei>549300JPXEZREPCF1B03</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022354" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022355" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022356" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>10027351.630833300000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>175460.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 17a-7 (17 CFR 270.17a-7)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>T. Rowe Price Associates, Inc.</subAdviserName>
            <subAdviserFileNo>801-856</subAdviserFileNo>
            <subAdviserCrdNo>000105496</subAdviserCrdNo>
            <subAdviserLei>7HTL8AEQSEDX602FBU63</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MD" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Standard Chartered Bank (Hong Kong) Limited</custodianName>
            <custodianLei>X5AV1MBDXGRPX5UGMX13</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>34404.110000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Bank of Montreal</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>NQQ6HPCNCCU6TUTQYE16</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>7250.840000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>21289.650000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>19723.250000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>18743.150000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Robert W. Baird &amp; Co. Incorporated</brokerName>
            <brokerFileNo>8-497</brokerFileNo>
            <brokerCrdNo>000008158</brokerCrdNo>
            <brokerLei>549300772UJAHRD6LO53</brokerLei>
            <brokerStateCountry brokerState="US-WI" brokerCountry="US"/>
            <grossCommission>14109.780000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Royal Bank of Canada</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ES7IP3U3RHIGC71XBU11</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>10187.760000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Holdings Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>82VOJDD5PTRDMVVMGV31</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>9265.230000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Evercore Group L.L.C.</brokerName>
            <brokerFileNo>8-49830</brokerFileNo>
            <brokerCrdNo>000042405</brokerCrdNo>
            <brokerLei>5493008F0LRLS5N8LZ81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>8538.920000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Suisse AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ANGGYXNX0JLX3X63JN86</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>8376.250000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>215710.180000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>T. Rowe Price Investment Services, Inc.</principalName>
            <principalFileNo>8-25130</principalFileNo>
            <principalCrdNo>000008348</principalCrdNo>
            <principalLei>7HTL8AEQSEDX602FBU63</principalLei>
            <principalStateCountry principalState="US-MD" principalCountry="US"/>
            <principalTotalPurchaseSale>673410979.950000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>59928300.920000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>2504504.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1012217.500000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>736856002.370000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>2094352045.900000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="2856157.520000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="3601180.040000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="3099383.480000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Capital Appreciation Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008220</mgmtInvSeriesId>
        <mgmtInvLei>549300YYZ3CNCRMSSR98</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022366" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022367" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022368" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>13456447.481666700000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>87974.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Jennison Associates LLC</subAdviserName>
            <subAdviserFileNo>801-5608</subAdviserFileNo>
            <subAdviserCrdNo>000107959</subAdviserCrdNo>
            <subAdviserLei>549300FH843OWV8IPG14</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-NY" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK FRANCE</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>FR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK AG</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>NL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>25532.880000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Virtu Americas LLC</brokerName>
            <brokerFileNo>8-68193</brokerFileNo>
            <brokerCrdNo>000149823</brokerCrdNo>
            <brokerLei>549300RA02N3BNSWBV74</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>3262.630000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>23744.800000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Capital Institutional Services, Inc.</brokerName>
            <brokerFileNo>8-22273</brokerFileNo>
            <brokerCrdNo>000007551</brokerCrdNo>
            <brokerLei>54930061X8RDWFDJIS05</brokerLei>
            <brokerStateCountry brokerState="US-TX" brokerCountry="US"/>
            <grossCommission>22277.590000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>19002.770000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Suisse AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ANGGYXNX0JLX3X63JN86</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>16079.580000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cowen &amp; Company</brokerName>
            <brokerFileNo>8-22522</brokerFileNo>
            <brokerCrdNo>000007616</brokerCrdNo>
            <brokerLei>549300WR155U7DVMIW58</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>7279.030000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Allen &amp; Company LLC</brokerName>
            <brokerFileNo>8-12123</brokerFileNo>
            <brokerCrdNo>000001042</brokerCrdNo>
            <brokerLei>549300RO3RYDN328JY68</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>3878.130000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Evercore Group L.L.C.</brokerName>
            <brokerFileNo>8-49830</brokerFileNo>
            <brokerCrdNo>000042405</brokerCrdNo>
            <brokerLei>5493008F0LRLS5N8LZ81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>3685.260000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>3616.260000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>152166.810000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>206048977.240000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>3044484.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1506472.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Credit Suisse AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ANGGYXNX0JLX3X63JN86</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>872367.500000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>202335.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>59576.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>211734211.740000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>529401956.730000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="1647788.990000000000" interfundLendingDaysOutstanding="3"/>
          <interfundLending interfundLendingLoanAverage="3171972.740000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="4332414.400000000000" interfundLendingDaysOutstanding="3"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Capital Appreciation Value Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000021933</mgmtInvSeriesId>
        <mgmtInvLei>549300PRBTNX4HDWKZ02</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000063026" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000063027" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000063028" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>3835788.710000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>53297.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 17a-7 (17 CFR 270.17a-7)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>T. Rowe Price Associates, Inc.</subAdviserName>
            <subAdviserFileNo>801-856</subAdviserFileNo>
            <subAdviserCrdNo>000105496</subAdviserCrdNo>
            <subAdviserLei>7HTL8AEQSEDX602FBU63</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MD" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Credit Suisse (Switzerland) Ltd.</custodianName>
            <custodianLei>549300CWR0W0BCS9Q144</custodianLei>
            <custodianCountry>CH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>8908.920000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Holdings Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>82VOJDD5PTRDMVVMGV31</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1610.990000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>7610.980000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>5116.790000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cowen &amp; Company</brokerName>
            <brokerFileNo>8-22522</brokerFileNo>
            <brokerCrdNo>000007616</brokerCrdNo>
            <brokerLei>549300WR155U7DVMIW58</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4065.060000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>3981.570000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Royal Bank of Canada</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ES7IP3U3RHIGC71XBU11</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>3720.590000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Evercore Group L.L.C.</brokerName>
            <brokerFileNo>8-49830</brokerFileNo>
            <brokerCrdNo>000042405</brokerCrdNo>
            <brokerLei>5493008F0LRLS5N8LZ81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>2787.020000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>2067.880000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Sanford C. Bernstein &amp; Co., LLC</brokerName>
            <brokerFileNo>8-52942</brokerFileNo>
            <brokerCrdNo>000104474</brokerCrdNo>
            <brokerLei>549300I7JYZHT7D5CO04</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1819.920000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>48500.530000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>852441002.180000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Nomura Holdings, Inc.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>549300B3CEAHYG7K8164</principalLei>
            <principalCountry>JP</principalCountry>
            <principalTotalPurchaseSale>7130951.350000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>T. Rowe Price Investment Services, Inc.</principalName>
            <principalFileNo>8-25130</principalFileNo>
            <principalCrdNo>000008348</principalCrdNo>
            <principalLei>7HTL8AEQSEDX602FBU63</principalLei>
            <principalStateCountry principalState="US-MD" principalCountry="US"/>
            <principalTotalPurchaseSale>296206747.390000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>18660151.900000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>15346353.280000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>12108080.340000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>11275184.920000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Credit Suisse AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ANGGYXNX0JLX3X63JN86</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>10825051.360000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>10277664.590000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>8111291.650000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>1268837718.220000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>395391060.150000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="19303364.130000000000" interfundLendingDaysOutstanding="3"/>
          <interfundLending interfundLendingLoanAverage="2700311.430000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="19861476.000000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Emerging Markets Value Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000017255</mgmtInvSeriesId>
        <mgmtInvLei>549300VJYJCR5EVKW146</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000047761" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000047759" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000047760" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>4648555.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>82776.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Dimensional Fund Advisors LP</subAdviserName>
            <subAdviserFileNo>801-16283</subAdviserFileNo>
            <subAdviserCrdNo>000106482</subAdviserCrdNo>
            <subAdviserLei>S31KDR2I4VDC432ELJ36</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-TX" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Citibank N.A.</pricingServiceName>
            <pricingServiceLei>E57ODZWZ7FF32TWEFA76</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>ZA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Berhad</custodianName>
            <custodianLei>QINWV8RCPXRMH5IWUL13</custodianLei>
            <custodianCountry>MY</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Banco Nacional de Mexico, S.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>MX</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>CZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Banco de Chile</custodianName>
            <custodianLei>8B4EZFY8IHJC44TT2K84</custodianLei>
            <custodianCountry>CL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>BR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Korea Inc.</custodianName>
            <custodianLei>745P3MMS7E8CUVXDRJ82</custodianLei>
            <custodianCountry>KR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Taiwan Limited</custodianName>
            <custodianLei>FKT8632221BKH80JX336</custodianLei>
            <custodianCountry>TW</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Bank Handlowy w Warszawie S.A.</custodianName>
            <custodianLei>XLEZHWWOI4HFQDGL4793</custodianLei>
            <custodianCountry>PL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>TH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Cititrust Colombia S.A. Sociedad Fiduciaria</custodianName>
            <custodianLei>549300242J3IJCOSGI49</custodianLei>
            <custodianCountry>CO</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>IN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>HU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, A.S.</custodianName>
            <custodianLei>CWZ8NZDH5SKY12Q4US31</custodianLei>
            <custodianCountry>TR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>ID</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Instinet, LLC</brokerName>
            <brokerFileNo>8-23669</brokerFileNo>
            <brokerCrdNo>000007897</brokerCrdNo>
            <brokerLei>549300MGMN3RKMU8FT57</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>15666.050000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Evercore Group L.L.C.</brokerName>
            <brokerFileNo>8-49830</brokerFileNo>
            <brokerCrdNo>000042405</brokerCrdNo>
            <brokerLei>5493008F0LRLS5N8LZ81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>316.990000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>14683.380000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Societe Generale SA</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>O2RNE8IBXP4R0TD8PU41</brokerLei>
            <brokerCountry>FR</brokerCountry>
            <grossCommission>9588.430000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>ITG Inc.</brokerName>
            <brokerFileNo>8-44218</brokerFileNo>
            <brokerCrdNo>000029299</brokerCrdNo>
            <brokerLei>549300S41SMIODVIT266</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>8699.990000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Holdings Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>82VOJDD5PTRDMVVMGV31</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>2377.720000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Larrain Vial SpA</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>2549003YW25MXGZRGR36</brokerLei>
            <brokerCountry>CL</brokerCountry>
            <grossCommission>1998.870000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Nomura Holdings, Inc.</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>549300B3CEAHYG7K8164</brokerLei>
            <brokerCountry>JP</brokerCountry>
            <grossCommission>1701.370000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>SG Americas Securities, LLC</brokerName>
            <brokerFileNo>8-66125</brokerFileNo>
            <brokerCrdNo>000128351</brokerCrdNo>
            <brokerLei>549300F35UE0BOM1WJ55</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1359.810000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>BNP Paribas</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>R0MUWSFPU8MPRO8K5P83</brokerLei>
            <brokerCountry>FR</brokerCountry>
            <grossCommission>1157.360000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>58392.610000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Instinet, LLC</principalName>
            <principalFileNo>8-23669</principalFileNo>
            <principalCrdNo>000007897</principalCrdNo>
            <principalLei>549300MGMN3RKMU8FT57</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>29636208.340000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Evercore Group L.L.C.</principalName>
            <principalFileNo>8-49830</principalFileNo>
            <principalCrdNo>000042405</principalCrdNo>
            <principalLei>5493008F0LRLS5N8LZ81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>704267.350000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>25142408.460000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>ITG Inc.</principalName>
            <principalFileNo>8-44218</principalFileNo>
            <principalCrdNo>000029299</principalCrdNo>
            <principalLei>549300S41SMIODVIT266</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>19911140.800000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Societe Generale SA</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>O2RNE8IBXP4R0TD8PU41</principalLei>
            <principalCountry>FR</principalCountry>
            <principalTotalPurchaseSale>19577339.980000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>5147584.470000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>SG Americas Securities, LLC</principalName>
            <principalFileNo>8-66125</principalFileNo>
            <principalCrdNo>000128351</principalCrdNo>
            <principalLei>549300F35UE0BOM1WJ55</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>3088855.670000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Nomura Holdings, Inc.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>549300B3CEAHYG7K8164</principalLei>
            <principalCountry>JP</principalCountry>
            <principalTotalPurchaseSale>2565044.860000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNP Paribas</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>R0MUWSFPU8MPRO8K5P83</principalLei>
            <principalCountry>FR</principalCountry>
            <principalTotalPurchaseSale>1574176.040000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Larrain Vial SpA</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>2549003YW25MXGZRGR36</principalLei>
            <principalCountry>CL</principalCountry>
            <principalTotalPurchaseSale>1320714.850000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>110258606.260000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>219005921.065918000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="175830.900000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <interfundBorrowingDetails isInterfundBorrowing="Y">
          <interfundBorrowing interfundBorrowingLoanAverage="1223213.350000000000" interfundBorrowingDaysOutstanding="1"/>
          <interfundBorrowing interfundBorrowingLoanAverage="10840751.830000000000" interfundBorrowingDaysOutstanding="1"/>
          <interfundBorrowing interfundBorrowingLoanAverage="753992.710000000000" interfundBorrowingDaysOutstanding="1"/>
          <interfundBorrowing interfundBorrowingLoanAverage="2179737.010000000000" interfundBorrowingDaysOutstanding="1"/>
          <interfundBorrowing interfundBorrowingLoanAverage="3766410.140000000000" interfundBorrowingDaysOutstanding="3"/>
          <interfundBorrowing interfundBorrowingLoanAverage="2269534.730000000000" interfundBorrowingDaysOutstanding="3"/>
          <interfundBorrowing interfundBorrowingLoanAverage="11080579.150000000000" interfundBorrowingDaysOutstanding="1"/>
          <interfundBorrowing interfundBorrowingLoanAverage="10854176.530000000000" interfundBorrowingDaysOutstanding="1"/>
        </interfundBorrowingDetails>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Equity Income Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008228</mgmtInvSeriesId>
        <mgmtInvLei>549300JT3IUM8VU4M664</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022398" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022399" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022400" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>22830154.610000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>118248.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 17a-8 (17 CFR 270.17a-8)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>T. Rowe Price Associates, Inc.</subAdviserName>
            <subAdviserFileNo>801-856</subAdviserFileNo>
            <subAdviserCrdNo>000105496</subAdviserCrdNo>
            <subAdviserLei>7HTL8AEQSEDX602FBU63</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MD" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank S.A.E.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>ES</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK FRANCE</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>FR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company, United Kingdom Branch</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK AG</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>NL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>20065.850000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>UBS AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>BFM8T61CT2L1QCEMIK50</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>6648.380000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>18639.090000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>16925.090000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Sanford C. Bernstein &amp; Co., LLC</brokerName>
            <brokerFileNo>8-52942</brokerFileNo>
            <brokerCrdNo>000104474</brokerCrdNo>
            <brokerLei>549300I7JYZHT7D5CO04</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>15410.350000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>12626.540000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Evercore Group L.L.C.</brokerName>
            <brokerFileNo>8-49830</brokerFileNo>
            <brokerCrdNo>000042405</brokerCrdNo>
            <brokerLei>5493008F0LRLS5N8LZ81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>11431.990000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Holdings Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>82VOJDD5PTRDMVVMGV31</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>10671.550000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Bank of Montreal</brokerName>
            <brokerFileNo>8-67064</brokerFileNo>
            <brokerCrdNo>000137115</brokerCrdNo>
            <brokerLei>NQQ6HPCNCCU6TUTQYE16</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>9151.700000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cowen &amp; Company</brokerName>
            <brokerFileNo>8-22522</brokerFileNo>
            <brokerCrdNo>000007616</brokerCrdNo>
            <brokerLei>549300WR155U7DVMIW58</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>7479.590000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>185470.370000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>T. Rowe Price Investment Services, Inc.</principalName>
            <principalFileNo>8-25130</principalFileNo>
            <principalCrdNo>000008348</principalCrdNo>
            <principalLei>7HTL8AEQSEDX602FBU63</principalLei>
            <principalStateCountry principalState="US-MD" principalCountry="US"/>
            <principalTotalPurchaseSale>519412350.200000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Penserra Securities, LLC</principalName>
            <principalFileNo>8-67773</principalFileNo>
            <principalCrdNo>000145994</principalCrdNo>
            <principalLei>549300WY8ZBI168Y6Z05</principalLei>
            <principalStateCountry principalState="US-CA" principalCountry="US"/>
            <principalTotalPurchaseSale>1638928.500000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>219560820.760000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>6460074.440000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>4074140.500000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>3724225.470000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>3466916.250000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Royal Bank of Canada</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ES7IP3U3RHIGC71XBU11</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>2590150.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>2338603.210000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1816960.550000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>766143435.590000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1590690585.580000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="14000000.000000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="8286302.960000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="27044430.970000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Financial Industries Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008229</mgmtInvSeriesId>
        <mgmtInvLei>54930010PWJUTY0MXE68</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022402" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022403" sharesOutstandingTickerSymbol="JEFSX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022404" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Brown Brothers Harriman &amp; Co.</securitiesAgentName>
            <securitiesAgentLei>5493006KMX1VFTPYPW14</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>528863.680000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>7869.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK AG, NETHERLANDS</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK FRANCE</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>FR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company, United Kingdom Branch</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>JP</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK AG</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>NL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>National Financial Services LLC</brokerName>
            <brokerFileNo>8-26740</brokerFileNo>
            <brokerCrdNo>000013041</brokerCrdNo>
            <brokerLei>549300JRHF1MHHWUAW04</brokerLei>
            <brokerStateCountry brokerState="US-MA" brokerCountry="US"/>
            <grossCommission>26929.450000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Barclays Bank PLC</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>G5GSEF7VJP5I7OUK5573</brokerLei>
            <brokerCountry>GB</brokerCountry>
            <grossCommission>3258.400000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Stifel, Nicolaus &amp; Company, Incorporated</brokerName>
            <brokerFileNo>8-1447</brokerFileNo>
            <brokerCrdNo>000000793</brokerCrdNo>
            <brokerLei>5WUVMA08EYG4KEUPW589</brokerLei>
            <brokerStateCountry brokerState="US-MO" brokerCountry="US"/>
            <grossCommission>11084.150000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Holdings Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>82VOJDD5PTRDMVVMGV31</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>10425.400000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>8166.960000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>ITG Inc.</brokerName>
            <brokerFileNo>8-44218</brokerFileNo>
            <brokerCrdNo>000029299</brokerCrdNo>
            <brokerLei>549300S41SMIODVIT266</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>5909.130000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>UBS AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>BFM8T61CT2L1QCEMIK50</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>5609.770000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>5175.660000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Raymond James &amp; Associates, Inc.</brokerName>
            <brokerFileNo>8-10999</brokerFileNo>
            <brokerCrdNo>000000705</brokerCrdNo>
            <brokerLei>U4ONQX15J3RO8XCKE979</brokerLei>
            <brokerStateCountry brokerState="US-FL" brokerCountry="US"/>
            <grossCommission>4277.970000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Pershing LLC</brokerName>
            <brokerFileNo>8-17574</brokerFileNo>
            <brokerCrdNo>000007560</brokerCrdNo>
            <brokerLei>ZI8Q1A8EI8LQFJNM0D94</brokerLei>
            <brokerStateCountry brokerState="US-NJ" brokerCountry="US"/>
            <grossCommission>3482.340000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>93173.480000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>235275655.660000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>101763.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>159944135.320000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>111299667.050000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>110248000.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>60035154.890000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>974943.130000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Stifel, Nicolaus &amp; Company, Incorporated</principalName>
            <principalFileNo>8-1447</principalFileNo>
            <principalCrdNo>000000793</principalCrdNo>
            <principalLei>5WUVMA08EYG4KEUPW589</principalLei>
            <principalStateCountry principalState="US-MO" principalCountry="US"/>
            <principalTotalPurchaseSale>911286.350000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Wells Fargo Securities, LLC</principalName>
            <principalFileNo>8-65876</principalFileNo>
            <principalCrdNo>000126292</principalCrdNo>
            <principalLei>VYVVCKR63DVZZN70PB21</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>171194.600000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>133632.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>679097457.000000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>164231325.210000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Fundamental All Cap Core Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008296</mgmtInvSeriesId>
        <mgmtInvLei>549300O6ZIGIY38M6647</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022664" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022665" sharesOutstandingTickerSymbol="JEQAX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022666" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>N</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>0.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank S.p.A.</custodianName>
            <custodianLei>529900SS7ZWCX82U3W60</custodianLei>
            <custodianCountry>IT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>KR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>51962.250000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Holdings Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>82VOJDD5PTRDMVVMGV31</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>15421.800000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Suisse AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ANGGYXNX0JLX3X63JN86</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>44632.720000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Virtu Americas LLC</brokerName>
            <brokerFileNo>8-68193</brokerFileNo>
            <brokerCrdNo>000149823</brokerCrdNo>
            <brokerLei>549300RA02N3BNSWBV74</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>38238.910000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Wells Fargo Securities, LLC</brokerName>
            <brokerFileNo>8-65876</brokerFileNo>
            <brokerCrdNo>000126292</brokerCrdNo>
            <brokerLei>VYVVCKR63DVZZN70PB21</brokerLei>
            <brokerStateCountry brokerState="US-NC" brokerCountry="US"/>
            <grossCommission>37942.320000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>ITG Inc.</brokerName>
            <brokerFileNo>8-44218</brokerFileNo>
            <brokerCrdNo>000029299</brokerCrdNo>
            <brokerLei>549300S41SMIODVIT266</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>33116.550000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>National Financial Services LLC</brokerName>
            <brokerFileNo>8-26740</brokerFileNo>
            <brokerCrdNo>000013041</brokerCrdNo>
            <brokerLei>549300JRHF1MHHWUAW04</brokerLei>
            <brokerStateCountry brokerState="US-MA" brokerCountry="US"/>
            <grossCommission>24727.870000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Stifel, Nicolaus &amp; Company, Incorporated</brokerName>
            <brokerFileNo>8-1447</brokerFileNo>
            <brokerCrdNo>000000793</brokerCrdNo>
            <brokerLei>5WUVMA08EYG4KEUPW589</brokerLei>
            <brokerStateCountry brokerState="US-MO" brokerCountry="US"/>
            <grossCommission>23996.680000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Sanford C. Bernstein &amp; Co., LLC</brokerName>
            <brokerFileNo>8-52942</brokerFileNo>
            <brokerCrdNo>000104474</brokerCrdNo>
            <brokerLei>549300I7JYZHT7D5CO04</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>19171.540000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>17255.130000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>354325.890000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>7036441758.280000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1328230918.820000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>964931942.759999000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>795904000.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>759190339.330000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>2462856.330000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>10887161815.520000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1749554351.440000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="1153950.000000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="12889993.010000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Fundamental Large Cap Value Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008321</mgmtInvSeriesId>
        <mgmtInvLei>549300E32GNPM7KI5Y79</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022743" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022744" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022745" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>N</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>0.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK FRANCE</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>FR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>KR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK AG</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>NL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>ITG Inc.</brokerName>
            <brokerFileNo>8-44218</brokerFileNo>
            <brokerCrdNo>000029299</brokerCrdNo>
            <brokerLei>549300S41SMIODVIT266</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>50298.780000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>2787.040000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Holdings Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>82VOJDD5PTRDMVVMGV31</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>26652.140000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>National Financial Services LLC</brokerName>
            <brokerFileNo>8-26740</brokerFileNo>
            <brokerCrdNo>000013041</brokerCrdNo>
            <brokerLei>549300JRHF1MHHWUAW04</brokerLei>
            <brokerStateCountry brokerState="US-MA" brokerCountry="US"/>
            <grossCommission>18206.550000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>17417.040000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>9634.300000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>William Blair</brokerName>
            <brokerFileNo>8-2698</brokerFileNo>
            <brokerCrdNo>000001252</brokerCrdNo>
            <brokerLei>549300J0P7XYE8BMZ775</brokerLei>
            <brokerStateCountry brokerState="US-IL" brokerCountry="US"/>
            <grossCommission>9183.930000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Suisse AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ANGGYXNX0JLX3X63JN86</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>7879.180000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>7485.100000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Barclays Bank PLC</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>G5GSEF7VJP5I7OUK5573</brokerLei>
            <brokerCountry>GB</brokerCountry>
            <grossCommission>5679.570000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>160165.370000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>1284167408.370000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>206643675.730000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>149506082.030000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>127688000.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>110207153.430000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>640962.610000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>1878853282.170000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>655436304.780000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="1821542.000000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Global Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008231</mgmtInvSeriesId>
        <mgmtInvLei>549300ETTK2P0KGKJL44</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022410" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022411" sharesOutstandingTickerSymbol="JEFGX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022412" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>6087424.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>103981.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 17a-7 (17 CFR 270.17a-7)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Templeton Global Advisors Limited</subAdviserName>
            <subAdviserFileNo>801-42343</subAdviserFileNo>
            <subAdviserCrdNo>000111383</subAdviserCrdNo>
            <subAdviserLei>HV4XALAFPV7TLW1V3873</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-CA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Citibank N.A.</pricingServiceName>
            <pricingServiceLei>E57ODZWZ7FF32TWEFA76</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>IT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>FR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Korea Inc.</custodianName>
            <custodianLei>745P3MMS7E8CUVXDRJ82</custodianLei>
            <custodianCountry>KR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>SG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>JP</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Canada</custodianName>
            <custodianLei>YJW4XPRSVL5L1ANG2086</custodianLei>
            <custodianCountry>CA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>CH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>NL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>TH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>IN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>DK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>DE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>ES</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>6953.650000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Mizuho Securities Co., Ltd.</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>549300I6K0JHSVK8I066</brokerLei>
            <brokerCountry>JP</brokerCountry>
            <grossCommission>2588.330000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Suisse AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ANGGYXNX0JLX3X63JN86</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>6799.410000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Royal Bank of Canada</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ES7IP3U3RHIGC71XBU11</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>6468.690000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>5743.950000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>ITG Inc.</brokerName>
            <brokerFileNo>8-44218</brokerFileNo>
            <brokerCrdNo>000029299</brokerCrdNo>
            <brokerLei>549300S41SMIODVIT266</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>5251.800000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>5220.500000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4727.630000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4651.180000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Holdings Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>82VOJDD5PTRDMVVMGV31</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4606.280000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>77640.800000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1093619003.840000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Seaport Global Securities, LLC</principalName>
            <principalFileNo>8-53535</principalFileNo>
            <principalCrdNo>000116270</principalCrdNo>
            <principalLei>54930028D6D0G5RZJ888</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>5495688.570000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>115850916.470000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>27699605.780000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>8670625.500000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>8528656.040000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>8174073.760000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Credit Suisse AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ANGGYXNX0JLX3X63JN86</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>7903606.470000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Royal Bank of Canada</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ES7IP3U3RHIGC71XBU11</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>7163923.240000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>ITG Inc.</principalName>
            <principalFileNo>8-44218</principalFileNo>
            <principalCrdNo>000029299</principalCrdNo>
            <principalLei>549300S41SMIODVIT266</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>6467793.040000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>1323572201.070000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>189455766.413699000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <interfundBorrowingDetails isInterfundBorrowing="Y">
          <interfundBorrowing interfundBorrowingLoanAverage="1703330.280000000000" interfundBorrowingDaysOutstanding="1"/>
        </interfundBorrowingDetails>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Health Sciences Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008239</mgmtInvSeriesId>
        <mgmtInvLei>K5HWWGQWUOYDF5BZA919</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022442" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022443" sharesOutstandingTickerSymbol="JEHSX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022444" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>N</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>0.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 17a-7 (17 CFR 270.17a-7)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>T. Rowe Price Associates, Inc.</subAdviserName>
            <subAdviserFileNo>801-856</subAdviserFileNo>
            <subAdviserCrdNo>000105496</subAdviserCrdNo>
            <subAdviserLei>7HTL8AEQSEDX602FBU63</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MD" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK AG, NETHERLANDS</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Credit Suisse (Switzerland) Ltd.</custodianName>
            <custodianLei>549300CWR0W0BCS9Q144</custodianLei>
            <custodianCountry>CH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK FRANCE</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>FR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company, United Kingdom Branch</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Standard Chartered Bank (Hong Kong) Limited</custodianName>
            <custodianLei>X5AV1MBDXGRPX5UGMX13</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank S.p.A.</custodianName>
            <custodianLei>529900SS7ZWCX82U3W60</custodianLei>
            <custodianCountry>IT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>JP</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>7446.850000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Leerink Partners LLC</brokerName>
            <brokerFileNo>8-48535</brokerFileNo>
            <brokerCrdNo>000039011</brokerCrdNo>
            <brokerLei>549300AAH7U76CEUBI94</brokerLei>
            <brokerStateCountry brokerState="US-MA" brokerCountry="US"/>
            <grossCommission>2101.660000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>5864.370000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cowen &amp; Company</brokerName>
            <brokerFileNo>8-22522</brokerFileNo>
            <brokerCrdNo>000007616</brokerCrdNo>
            <brokerLei>549300WR155U7DVMIW58</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4790.380000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Royal Bank of Canada</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ES7IP3U3RHIGC71XBU11</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>4421.180000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4204.600000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>3773.760000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>3159.970000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>UBS AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>BFM8T61CT2L1QCEMIK50</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>2850.950000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Suisse AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ANGGYXNX0JLX3X63JN86</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>2188.250000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>61660.060000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>T. Rowe Price Investment Services, Inc.</principalName>
            <principalFileNo>8-25130</principalFileNo>
            <principalCrdNo>000008348</principalCrdNo>
            <principalLei>7HTL8AEQSEDX602FBU63</principalLei>
            <principalStateCountry principalState="US-MD" principalCountry="US"/>
            <principalTotalPurchaseSale>86646371.500000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Piper Jaffray &amp; Co.</principalName>
            <principalFileNo>8-15204</principalFileNo>
            <principalCrdNo>000000665</principalCrdNo>
            <principalLei>549300GRQCWQ3XGH0H10</principalLei>
            <principalStateCountry principalState="US-MN" principalCountry="US"/>
            <principalTotalPurchaseSale>117280.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>32465501.760000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>3139305.570000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>2819188.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>399342.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>321789.870000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Cowen &amp; Company</principalName>
            <principalFileNo>8-22522</principalFileNo>
            <principalCrdNo>000007616</principalCrdNo>
            <principalLei>549300WR155U7DVMIW58</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>273428.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Leerink Partners LLC</principalName>
            <principalFileNo>8-48535</principalFileNo>
            <principalCrdNo>000039011</principalCrdNo>
            <principalLei>549300AAH7U76CEUBI94</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>197768.500000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>186585.500000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>126757016.350000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>284453997.130000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="1221337.380000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="3400000.000000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="1167194.520000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <interfundBorrowingDetails isInterfundBorrowing="Y">
          <interfundBorrowing interfundBorrowingLoanAverage="27044430.970000000000" interfundBorrowingDaysOutstanding="1"/>
        </interfundBorrowingDetails>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>International Equity Index Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008297</mgmtInvSeriesId>
        <mgmtInvLei>549300KF61DC6ELDRK96</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022668" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000117969" sharesOutstandingTickerSymbol="JIEQX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000117970" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
          <indexFundInfo fundType="Index Fund">
            <isIndexFundAffiliated>N</isIndexFundAffiliated>
            <isIndexFundExclusive>N</isIndexFundExclusive>
            <indexFundReturnDiffBeforeExpense>0.330000000000</indexFundReturnDiffBeforeExpense>
            <indexFundReturnDiffAfterExpense>-0.140000000000</indexFundReturnDiffAfterExpense>
            <indexFundReturnDailyStdevBeforeExpense>4.990000000000</indexFundReturnDailyStdevBeforeExpense>
            <indexFundReturnDailyStdevAfterExpense>4.990000000000</indexFundReturnDailyStdevAfterExpense>
          </indexFundInfo>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>21803858.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>323372.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 17a-8 (17 CFR 270.17a-8)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>SSgA Funds Management, Inc.</subAdviserName>
            <subAdviserFileNo>801-60103</subAdviserFileNo>
            <subAdviserCrdNo>000111242</subAdviserCrdNo>
            <subAdviserLei>FT3UGI3NU6B7EELQF380</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Citibank N.A.</pricingServiceName>
            <pricingServiceLei>E57ODZWZ7FF32TWEFA76</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>CN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe plc</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>NO</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>DK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>DE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Nordea Bank Abp</custodianName>
            <custodianLei>529900ODI3047E2LIV03</custodianLei>
            <custodianCountry>FI</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, A.S.</custodianName>
            <custodianLei>CWZ8NZDH5SKY12Q4US31</custodianLei>
            <custodianCountry>TR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>ID</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Berhad</custodianName>
            <custodianLei>QINWV8RCPXRMH5IWUL13</custodianLei>
            <custodianCountry>MY</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>PT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>NL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>ES</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citigroup Pty. Limited</custodianName>
            <custodianLei>0C45RG70GW42XSBLJ131</custodianLei>
            <custodianCountry>AU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Banco Nacional de Mexico, S.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>MX</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>IT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>FR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>CZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Banco de Chile</custodianName>
            <custodianLei>8B4EZFY8IHJC44TT2K84</custodianLei>
            <custodianCountry>CL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>BR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Korea Inc.</custodianName>
            <custodianLei>745P3MMS7E8CUVXDRJ82</custodianLei>
            <custodianCountry>KR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>SG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>ZA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>SE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Taiwan Limited</custodianName>
            <custodianLei>FKT8632221BKH80JX336</custodianLei>
            <custodianCountry>TW</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>IL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>JP</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Canada</custodianName>
            <custodianLei>YJW4XPRSVL5L1ANG2086</custodianLei>
            <custodianCountry>CA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>AT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Bank Handlowy w Warszawie S.A.</custodianName>
            <custodianLei>XLEZHWWOI4HFQDGL4793</custodianLei>
            <custodianCountry>PL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>NZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>CH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>TH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>IN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>HU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>EG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>UBS AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>BFM8T61CT2L1QCEMIK50</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>7401.910000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Scotia Capital Inc.</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>5493009NLZXZGJDOPC94</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>834.290000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Suisse AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ANGGYXNX0JLX3X63JN86</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>2104.840000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>2083.550000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Nomura Holdings, Inc.</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>549300B3CEAHYG7K8164</brokerLei>
            <brokerCountry>JP</brokerCountry>
            <grossCommission>1847.800000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1825.560000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1560.750000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Holdings Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>82VOJDD5PTRDMVVMGV31</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1364.160000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1265.960000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Macquarie Group Limited</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ACMHD8HWFMFUIQQ8Y590</brokerLei>
            <brokerCountry>AU</brokerCountry>
            <grossCommission>1260.270000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>26591.580000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>191998991.950000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Scotia Capital Inc.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>5493009NLZXZGJDOPC94</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>3659638.640000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>16402785.300000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Credit Suisse AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ANGGYXNX0JLX3X63JN86</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>11012434.920000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>9167894.050000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Nomura Holdings, Inc.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>549300B3CEAHYG7K8164</principalLei>
            <principalCountry>JP</principalCountry>
            <principalTotalPurchaseSale>8491230.350000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>6732987.970000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>6239852.610000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>4322209.530000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Macquarie Group Limited</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ACMHD8HWFMFUIQQ8Y590</principalLei>
            <principalCountry>AU</principalCountry>
            <principalTotalPurchaseSale>3931092.530000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>277585658.830000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>758872153.129178000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>50000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="BNP Paribas"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Diversified Real Assets Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Real Estate Securities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Core Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II U.S.High Yield Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Estate Securities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Core Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Equity Index Trust" secFileNo="811-04146"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="1933201.580000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="5090952.280000000000" interfundLendingDaysOutstanding="3"/>
          <interfundLending interfundLendingLoanAverage="6427880.770000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <interfundBorrowingDetails isInterfundBorrowing="Y">
          <interfundBorrowing interfundBorrowingLoanAverage="15233497.400000000000" interfundBorrowingDaysOutstanding="1"/>
          <interfundBorrowing interfundBorrowingLoanAverage="1733649.000000000000" interfundBorrowingDaysOutstanding="1"/>
          <interfundBorrowing interfundBorrowingLoanAverage="10600089.770000000000" interfundBorrowingDaysOutstanding="1"/>
          <interfundBorrowing interfundBorrowingLoanAverage="2807673.600000000000" interfundBorrowingDaysOutstanding="1"/>
          <interfundBorrowing interfundBorrowingLoanAverage="1134044.000000000000" interfundBorrowingDaysOutstanding="1"/>
          <interfundBorrowing interfundBorrowingLoanAverage="1167194.520000000000" interfundBorrowingDaysOutstanding="1"/>
          <interfundBorrowing interfundBorrowingLoanAverage="5334652.750000000000" interfundBorrowingDaysOutstanding="1"/>
        </interfundBorrowingDetails>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>International Small Company Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008301</mgmtInvSeriesId>
        <mgmtInvLei>549300XNFC8KWYTSSB90</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022684" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022685" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022686" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>8127858.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>221880.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Dimensional Fund Advisors LP</subAdviserName>
            <subAdviserFileNo>801-16283</subAdviserFileNo>
            <subAdviserCrdNo>000106482</subAdviserCrdNo>
            <subAdviserLei>S31KDR2I4VDC432ELJ36</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-TX" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Citibank N.A.</pricingServiceName>
            <pricingServiceLei>E57ODZWZ7FF32TWEFA76</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>PT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>ES</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citigroup Pty. Limited</custodianName>
            <custodianLei>0C45RG70GW42XSBLJ131</custodianLei>
            <custodianCountry>AU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>IT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>FR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>SG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>SE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Taiwan Limited</custodianName>
            <custodianLei>FKT8632221BKH80JX336</custodianLei>
            <custodianCountry>TW</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>NL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>IL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>JP</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Canada</custodianName>
            <custodianLei>YJW4XPRSVL5L1ANG2086</custodianLei>
            <custodianCountry>CA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>AT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>CH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>NZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>NO</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>DK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>DE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Nordea Bank Abp</custodianName>
            <custodianLei>529900ODI3047E2LIV03</custodianLei>
            <custodianCountry>FI</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4668.020000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cowen Execution Services LLC</brokerName>
            <brokerFileNo>8-46838</brokerFileNo>
            <brokerCrdNo>000035693</brokerCrdNo>
            <brokerLei>5493005RJDJD18OPUP27</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>31.230000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Instinet, LLC</brokerName>
            <brokerFileNo>8-23669</brokerFileNo>
            <brokerCrdNo>000007897</brokerCrdNo>
            <brokerLei>549300MGMN3RKMU8FT57</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>3951.820000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Societe Generale SA</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>O2RNE8IBXP4R0TD8PU41</brokerLei>
            <brokerCountry>FR</brokerCountry>
            <grossCommission>3496.330000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>ITG Inc.</brokerName>
            <brokerFileNo>8-44218</brokerFileNo>
            <brokerCrdNo>000029299</brokerCrdNo>
            <brokerLei>549300S41SMIODVIT266</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1501.020000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Virtu Financial Ireland Limited</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>549300XG5LFGN1IGYC71</brokerLei>
            <brokerCountry>IE</brokerCountry>
            <grossCommission>671.890000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>463.280000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>BNP Paribas</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>R0MUWSFPU8MPRO8K5P83</brokerLei>
            <brokerCountry>FR</brokerCountry>
            <grossCommission>123.060000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Daiwa Securities Group Inc.</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>353800WRC7Y23PWFJG38</brokerLei>
            <brokerCountry>JP</brokerCountry>
            <grossCommission>112.110000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>National Bank of Canada</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>BSGEFEIOM18Y80CKCV46</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>71.700000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>15140.100000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>13243483.890000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>72758.200000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Instinet, LLC</principalName>
            <principalFileNo>8-23669</principalFileNo>
            <principalCrdNo>000007897</principalCrdNo>
            <principalLei>549300MGMN3RKMU8FT57</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>10929560.070000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Societe Generale SA</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>O2RNE8IBXP4R0TD8PU41</principalLei>
            <principalCountry>FR</principalCountry>
            <principalTotalPurchaseSale>10359648.400000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>ITG Inc.</principalName>
            <principalFileNo>8-44218</principalFileNo>
            <principalCrdNo>000029299</principalCrdNo>
            <principalLei>549300S41SMIODVIT266</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>4503766.720000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Virtu Financial Ireland Limited</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>549300XG5LFGN1IGYC71</principalLei>
            <principalCountry>IE</principalCountry>
            <principalTotalPurchaseSale>2031937.300000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1447364.090000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Daiwa Securities Group Inc.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>353800WRC7Y23PWFJG38</principalLei>
            <principalCountry>JP</principalCountry>
            <principalTotalPurchaseSale>345110.280000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNP Paribas</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>R0MUWSFPU8MPRO8K5P83</principalLei>
            <principalCountry>FR</principalCountry>
            <principalTotalPurchaseSale>183290.250000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Cowen Execution Services LLC</principalName>
            <principalFileNo>8-46838</principalFileNo>
            <principalCrdNo>000035693</principalCrdNo>
            <principalLei>5493005RJDJD18OPUP27</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>95130.880000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>43414334.250000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>113375893.486247000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="600000.000000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <interfundBorrowingDetails isInterfundBorrowing="Y">
          <interfundBorrowing interfundBorrowingLoanAverage="11494639.520000000000" interfundBorrowingDaysOutstanding="1"/>
          <interfundBorrowing interfundBorrowingLoanAverage="5600000.000000000000" interfundBorrowingDaysOutstanding="4"/>
          <interfundBorrowing interfundBorrowingLoanAverage="1100000.000000000000" interfundBorrowingDaysOutstanding="1"/>
          <interfundBorrowing interfundBorrowingLoanAverage="5961781.210000000000" interfundBorrowingDaysOutstanding="4"/>
          <interfundBorrowing interfundBorrowingLoanAverage="8286302.960000000000" interfundBorrowingDaysOutstanding="1"/>
          <interfundBorrowing interfundBorrowingLoanAverage="3400000.000000000000" interfundBorrowingDaysOutstanding="1"/>
          <interfundBorrowing interfundBorrowingLoanAverage="2692654.520000000000" interfundBorrowingDaysOutstanding="1"/>
          <interfundBorrowing interfundBorrowingLoanAverage="9431404.310000000000" interfundBorrowingDaysOutstanding="1"/>
        </interfundBorrowingDetails>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>International Value Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008302</mgmtInvSeriesId>
        <mgmtInvLei>549300LXTIVX3O5DMK18</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022688" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022689" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022690" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>5149301.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>88806.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Templeton Investment Counsel, LLC</subAdviserName>
            <subAdviserFileNo>801-15125</subAdviserFileNo>
            <subAdviserCrdNo>000111370</subAdviserCrdNo>
            <subAdviserLei>D8ZZMLBMZO5UV5R9DG61</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-CA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Citibank N.A.</pricingServiceName>
            <pricingServiceLei>E57ODZWZ7FF32TWEFA76</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citigroup Pty. Limited</custodianName>
            <custodianLei>0C45RG70GW42XSBLJ131</custodianLei>
            <custodianCountry>AU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>IT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>FR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Korea Inc.</custodianName>
            <custodianLei>745P3MMS7E8CUVXDRJ82</custodianLei>
            <custodianCountry>KR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>SG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Taiwan Limited</custodianName>
            <custodianLei>FKT8632221BKH80JX336</custodianLei>
            <custodianCountry>TW</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>JP</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Canada</custodianName>
            <custodianLei>YJW4XPRSVL5L1ANG2086</custodianLei>
            <custodianCountry>CA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>CH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>NL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>TH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe plc</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>NO</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>DK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>DE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe PLC</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>PT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>31107.490000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>ITG Inc.</brokerName>
            <brokerFileNo>8-44218</brokerFileNo>
            <brokerCrdNo>000029299</brokerCrdNo>
            <brokerLei>549300S41SMIODVIT266</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>9469.570000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Suisse AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ANGGYXNX0JLX3X63JN86</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>30047.280000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Royal Bank of Canada</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ES7IP3U3RHIGC71XBU11</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>23464.380000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Holdings Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>82VOJDD5PTRDMVVMGV31</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>17152.630000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>16161.430000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>UBS AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>BFM8T61CT2L1QCEMIK50</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>13818.600000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>11710.000000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Macquarie Group Limited</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ACMHD8HWFMFUIQQ8Y590</brokerLei>
            <brokerCountry>AU</brokerCountry>
            <grossCommission>11073.390000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Scotia Capital Inc.</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>5493009NLZXZGJDOPC94</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>9796.950000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>265864.780000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1577754592.460000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>9443467.400000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>1489265211.980000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>271983023.060000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Credit Suisse AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ANGGYXNX0JLX3X63JN86</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>24080056.440000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Royal Bank of Canada</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ES7IP3U3RHIGC71XBU11</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>16968888.410000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>16256704.460000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>16127285.910000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>14472587.620000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>ITG Inc.</principalName>
            <principalFileNo>8-44218</principalFileNo>
            <principalCrdNo>000029299</principalCrdNo>
            <principalLei>549300S41SMIODVIT266</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>13459409.320000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>3532637824.900000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>303696963.905589000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Lifestyle Aggressive Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000042142</mgmtInvSeriesId>
        <mgmtInvLei>54930034BAAD3PSEB714</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000130863" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000130861" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000130862" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Fund of Funds</fundType>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Brown Brothers Harriman &amp; Co.</securitiesAgentName>
            <securitiesAgentLei>5493006KMX1VFTPYPW14</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>267196.166666667000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>3497.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>619.170000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Virtu Americas LLC</brokerName>
            <brokerFileNo>8-68193</brokerFileNo>
            <brokerCrdNo>000149823</brokerCrdNo>
            <brokerLei>549300RA02N3BNSWBV74</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>310.660000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Pershing LLC</brokerName>
            <brokerFileNo>8-17574</brokerFileNo>
            <brokerCrdNo>000007560</brokerCrdNo>
            <brokerLei>ZI8Q1A8EI8LQFJNM0D94</brokerLei>
            <brokerStateCountry brokerState="US-NJ" brokerCountry="US"/>
            <grossCommission>195.550000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>2.280000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Royal Bank of Canada</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ES7IP3U3RHIGC71XBU11</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>0.090000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>1127.750000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>2698338.510000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>2698338.510000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>34185716.330000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Lifestyle Balanced Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000032004</mgmtInvSeriesId>
        <mgmtInvLei>549300QMMU5QX14LFJ95</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000099622" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000099620" sharesOutstandingTickerSymbol="JHBPX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000099621" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Fund of Funds</fundType>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>N</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>0.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.000000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>757.520000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>757.520000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>981147460.630000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Lifestyle Conservative Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000032005</mgmtInvSeriesId>
        <mgmtInvLei>549300YDMFY1YVP8WQ25</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000099625" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000099623" sharesOutstandingTickerSymbol="JHCIX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000099624" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Fund of Funds</fundType>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>N</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>0.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.000000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>51032.940000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>51032.940000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>183687753.140000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Lifestyle Growth Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000032006</mgmtInvSeriesId>
        <mgmtInvLei>549300BD8HWYR2PHQI73</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000099628" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000099626" sharesOutstandingTickerSymbol="JHGPX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000099627" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Fund of Funds</fundType>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>N</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>0.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC BANK AUSTRALIA LIMITED</custodianName>
            <custodianLei>DY9DBNI4W8J63Z298033</custodianLei>
            <custodianCountry>AU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>BNP Paribas Securities Services, S.C.A., Greece</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>CY</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.000000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>1339509.460000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>1339509.460000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>6138639155.690000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Lifestyle Moderate Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000032007</mgmtInvSeriesId>
        <mgmtInvLei>549300DS8JHZWB5S4K55</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000099631" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000099629" sharesOutstandingTickerSymbol="JHMPX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000099630" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Fund of Funds</fundType>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>0.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.000000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>30897.460000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>30897.460000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>303855300.570000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Mid Cap Index Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008285</mgmtInvSeriesId>
        <mgmtInvLei>549300U4B0KKF0IYMU85</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022620" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022621" sharesOutstandingTickerSymbol="JECIX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022622" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
          <indexFundInfo fundType="Index Fund">
            <isIndexFundAffiliated>N</isIndexFundAffiliated>
            <isIndexFundExclusive>N</isIndexFundExclusive>
            <indexFundReturnDiffBeforeExpense>-0.050000000000</indexFundReturnDiffBeforeExpense>
            <indexFundReturnDiffAfterExpense>-0.610000000000</indexFundReturnDiffAfterExpense>
            <indexFundReturnDailyStdevBeforeExpense>0.270000000000</indexFundReturnDailyStdevBeforeExpense>
            <indexFundReturnDailyStdevAfterExpense>0.270000000000</indexFundReturnDailyStdevAfterExpense>
          </indexFundInfo>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Brown Brothers Harriman &amp; Co.</securitiesAgentName>
            <securitiesAgentLei>5493006KMX1VFTPYPW14</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>31964691.725000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>190002.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (North America) Limited</subAdviserName>
            <subAdviserFileNo>N/A</subAdviserFileNo>
            <subAdviserCrdNo>000125142</subAdviserCrdNo>
            <subAdviserLei>549300LJ707JK4TLLK97</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserCountry>CA</subAdviserCountry>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Barclays Bank PLC</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>G5GSEF7VJP5I7OUK5573</brokerLei>
            <brokerCountry>GB</brokerCountry>
            <grossCommission>34944.300000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Pershing LLC</brokerName>
            <brokerFileNo>8-17574</brokerFileNo>
            <brokerCrdNo>000007560</brokerCrdNo>
            <brokerLei>ZI8Q1A8EI8LQFJNM0D94</brokerLei>
            <brokerStateCountry brokerState="US-NJ" brokerCountry="US"/>
            <grossCommission>15436.700000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Instinet, LLC</brokerName>
            <brokerFileNo>8-23669</brokerFileNo>
            <brokerCrdNo>000007897</brokerCrdNo>
            <brokerLei>549300MGMN3RKMU8FT57</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>9808.379999999990</grossCommission>
          </broker>
          <broker>
            <brokerName>Cowen &amp; Company</brokerName>
            <brokerFileNo>8-22522</brokerFileNo>
            <brokerCrdNo>000007616</brokerCrdNo>
            <brokerLei>549300WR155U7DVMIW58</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>9037.480000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>7587.850000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1715.380000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1630.570000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>80160.660000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>1586617000.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>95415724.440000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>77825665.700000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Pershing LLC</principalName>
            <principalFileNo>8-17574</principalFileNo>
            <principalCrdNo>000007560</principalCrdNo>
            <principalLei>ZI8Q1A8EI8LQFJNM0D94</principalLei>
            <principalStateCountry principalState="US-NJ" principalCountry="US"/>
            <principalTotalPurchaseSale>49741283.330000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>46828462.510000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>34889577.770000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>11255651.420000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>9970334.720000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>7995635.550000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>1920539335.440000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1396416705.720000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="8444326.830000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="3245916.140000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="3723256.200000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Mid Cap Stock Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008286</mgmtInvSeriesId>
        <mgmtInvLei>Y4CKONPF1EG1NPR2RT16</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022624" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022625" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022626" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>47536620.705000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>237536.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Wellington Management Company LLP</subAdviserName>
            <subAdviserFileNo>801-15908</subAdviserFileNo>
            <subAdviserCrdNo>000106595</subAdviserCrdNo>
            <subAdviserLei>549300YHP12TEZNLCX41</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK AG, NETHERLANDS</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company, United Kingdom Branch</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>68850.180000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Barclays Bank PLC</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>G5GSEF7VJP5I7OUK5573</brokerLei>
            <brokerCountry>GB</brokerCountry>
            <grossCommission>9365.880000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>UBS AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>BFM8T61CT2L1QCEMIK50</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>33255.180000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>24093.190000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cowen &amp; Company</brokerName>
            <brokerFileNo>8-22522</brokerFileNo>
            <brokerCrdNo>000007616</brokerCrdNo>
            <brokerLei>549300WR155U7DVMIW58</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>22900.480000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>15768.180000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Wells Fargo Securities, LLC</brokerName>
            <brokerFileNo>8-65876</brokerFileNo>
            <brokerCrdNo>000126292</brokerCrdNo>
            <brokerLei>VYVVCKR63DVZZN70PB21</brokerLei>
            <brokerStateCountry brokerState="US-NC" brokerCountry="US"/>
            <grossCommission>14205.250000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>10841.900000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>9960.230000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Liquidnet, Inc.</brokerName>
            <brokerFileNo>8-52461</brokerFileNo>
            <brokerCrdNo>000103987</brokerCrdNo>
            <brokerLei>213800HSKBBO1GCVRG79</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>9535.510000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>309193.490000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Deutsche Bank AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>213800QILIUD4ROSUO03</principalLei>
            <principalCountry>DE</principalCountry>
            <principalTotalPurchaseSale>6158900000.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>7745800.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>3184200.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>634000.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>102600.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNP Paribas</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>R0MUWSFPU8MPRO8K5P83</principalLei>
            <principalCountry>FR</principalCountry>
            <principalTotalPurchaseSale>0.500000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>6170566600.500000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>766239821.400000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="11080579.150000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="6838544.180000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Mid Value Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008289</mgmtInvSeriesId>
        <mgmtInvLei>549300W2XFWJR15NWT44</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022636" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022637" sharesOutstandingTickerSymbol="JEMUX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022638" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>26410772.212500000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>106893.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 17a-7 (17 CFR 270.17a-7)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>T. Rowe Price Associates, Inc.</subAdviserName>
            <subAdviserFileNo>801-856</subAdviserFileNo>
            <subAdviserCrdNo>000105496</subAdviserCrdNo>
            <subAdviserLei>7HTL8AEQSEDX602FBU63</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MD" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK AG, NETHERLANDS</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Credit Suisse (Switzerland) Ltd.</custodianName>
            <custodianLei>549300CWR0W0BCS9Q144</custodianLei>
            <custodianCountry>CH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>SKANDINAVISKA ENSKILDA BANKEN AB</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>DK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company, United Kingdom Branch</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>21263.560000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>UBS AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>BFM8T61CT2L1QCEMIK50</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>9120.400000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>18900.160000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Holdings Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>82VOJDD5PTRDMVVMGV31</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>17018.210000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>16891.260000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Royal Bank of Canada</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ES7IP3U3RHIGC71XBU11</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>14914.520000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>14832.520000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cowen &amp; Company</brokerName>
            <brokerFileNo>8-22522</brokerFileNo>
            <brokerCrdNo>000007616</brokerCrdNo>
            <brokerLei>549300WR155U7DVMIW58</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>11392.200000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Allen &amp; Company LLC</brokerName>
            <brokerFileNo>8-12123</brokerFileNo>
            <brokerCrdNo>000001042</brokerCrdNo>
            <brokerLei>549300RO3RYDN328JY68</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>10087.090000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Evercore Group L.L.C.</brokerName>
            <brokerFileNo>8-49830</brokerFileNo>
            <brokerCrdNo>000042405</brokerCrdNo>
            <brokerLei>5493008F0LRLS5N8LZ81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>9277.620000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>261425.190000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>T. Rowe Price Investment Services, Inc.</principalName>
            <principalFileNo>8-25130</principalFileNo>
            <principalCrdNo>000008348</principalCrdNo>
            <principalLei>7HTL8AEQSEDX602FBU63</principalLei>
            <principalStateCountry principalState="US-MD" principalCountry="US"/>
            <principalTotalPurchaseSale>268822109.250000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>77334161.160000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>408298.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>368014.500000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>170026.240000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>122176.780000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>347224785.930000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>667180294.770000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="3495496.120000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="1772200.360000000000" interfundLendingDaysOutstanding="3"/>
          <interfundLending interfundLendingLoanAverage="11343008.400000000000" interfundLendingDaysOutstanding="3"/>
          <interfundLending interfundLendingLoanAverage="5334652.750000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Mutual Shares Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000017253</mgmtInvSeriesId>
        <mgmtInvLei>549300ND5Q3UH016SM55</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000047753" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>2038602.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>32448.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 17a-7 (17 CFR 270.17a-7)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Franklin Mutual Advisers, LLC</subAdviserName>
            <subAdviserFileNo>801-53068</subAdviserFileNo>
            <subAdviserCrdNo>000111376</subAdviserCrdNo>
            <subAdviserLei>549300700KN6X7XAH545</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-CA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC BANK AUSTRALIA LIMITED</custodianName>
            <custodianLei>DY9DBNI4W8J63Z298033</custodianLei>
            <custodianCountry>AU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company, United Kingdom Branch</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank S.p.A.</custodianName>
            <custodianLei>529900SS7ZWCX82U3W60</custodianLei>
            <custodianCountry>IT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>KR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK AG</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>NL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Sanford C. Bernstein &amp; Co., LLC</brokerName>
            <brokerFileNo>8-52942</brokerFileNo>
            <brokerCrdNo>000104474</brokerCrdNo>
            <brokerLei>549300I7JYZHT7D5CO04</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4862.710000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Dowling &amp; Partners Securities LLC</brokerName>
            <brokerFileNo>8-35658</brokerFileNo>
            <brokerCrdNo>000024746</brokerCrdNo>
            <brokerLei>254900NTPWGHA2OLDV63</brokerLei>
            <brokerStateCountry brokerState="US-CT" brokerCountry="US"/>
            <grossCommission>773.990000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4677.500000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1993.000000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Suisse AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ANGGYXNX0JLX3X63JN86</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>1188.150000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1149.580000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Holdings Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>82VOJDD5PTRDMVVMGV31</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1109.730000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Bank of Montreal</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>NQQ6HPCNCCU6TUTQYE16</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>937.580000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Deutsche Bank AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>213800QILIUD4ROSUO03</brokerLei>
            <brokerCountry>DE</brokerCountry>
            <grossCommission>832.780000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Exane SA</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>969500UP76J52A9OXU27</brokerLei>
            <brokerCountry>FR</brokerCountry>
            <grossCommission>822.280000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>23292.740000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>2032146741.940000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Pershing LLC</principalName>
            <principalFileNo>8-17574</principalFileNo>
            <principalCrdNo>000007560</principalCrdNo>
            <principalLei>ZI8Q1A8EI8LQFJNM0D94</principalLei>
            <principalStateCountry principalState="US-NJ" principalCountry="US"/>
            <principalTotalPurchaseSale>5248178.330000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1468850.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1103714.440000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>483101.520000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>378973.700000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>250392.860000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>220216.320000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Credit Suisse AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ANGGYXNX0JLX3X63JN86</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>64715.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>2041364884.110000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>151693365.060000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Real Estate Securities Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008338</mgmtInvSeriesId>
        <mgmtInvLei>549300IIXSTHHGK7WV33</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022811" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022812" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022813" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>Y</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Brown Brothers Harriman &amp; Co.</securitiesAgentName>
            <securitiesAgentLei>5493006KMX1VFTPYPW14</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>0.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>DWS Investment Management Americas, Inc.</subAdviserName>
            <subAdviserFileNo>801-252</subAdviserFileNo>
            <subAdviserCrdNo>000104518</subAdviserCrdNo>
            <subAdviserLei>N/A</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-NY" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
          <subAdviser>
            <subAdviserName>RREEF America LLC</subAdviserName>
            <subAdviserFileNo>801-55209</subAdviserFileNo>
            <subAdviserCrdNo>000109596</subAdviserCrdNo>
            <subAdviserLei>529900ETVH54K2OIRO19</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-IL" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC BANK AUSTRALIA LIMITED</custodianName>
            <custodianLei>DY9DBNI4W8J63Z298033</custodianLei>
            <custodianCountry>AU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>109437.670000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Bank of Montreal</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>NQQ6HPCNCCU6TUTQYE16</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>6887.960000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>73096.510000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>66720.620000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Holdings Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>82VOJDD5PTRDMVVMGV31</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>49491.020000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Royal Bank of Canada</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ES7IP3U3RHIGC71XBU11</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>40932.050000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>35230.450000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>UBS AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>BFM8T61CT2L1QCEMIK50</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>20411.740000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Barclays Bank PLC</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>G5GSEF7VJP5I7OUK5573</brokerLei>
            <brokerCountry>GB</brokerCountry>
            <grossCommission>12219.650000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Pershing LLC</brokerName>
            <brokerFileNo>8-17574</brokerFileNo>
            <brokerCrdNo>000007560</brokerCrdNo>
            <brokerLei>ZI8Q1A8EI8LQFJNM0D94</brokerLei>
            <brokerStateCountry brokerState="US-NJ" brokerCountry="US"/>
            <grossCommission>9143.810000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>443681.060000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>114935630.140000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>13002515.750000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>8535729.300000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>2419975.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>2306521.850000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1995732.830000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Wells Fargo Securities, LLC</principalName>
            <principalFileNo>8-65876</principalFileNo>
            <principalCrdNo>000126292</principalCrdNo>
            <principalLei>VYVVCKR63DVZZN70PB21</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>1166168.250000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>1095762.500000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>145458035.620000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>353371906.430000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>50000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="BNP Paribas"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Diversified Real Assets Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Real Estate Securities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Core Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II U.S.High Yield Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Estate Securities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Core Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Equity Index Trust" secFileNo="811-04146"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Science &amp; Technology Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008340</mgmtInvSeriesId>
        <mgmtInvLei>54930048DER8V0OS3D36</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022819" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022820" sharesOutstandingTickerSymbol="JESTX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022821" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>34647350.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>245530.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Allianz Global Investors U.S. LLC</subAdviserName>
            <subAdviserFileNo>801-69803</subAdviserFileNo>
            <subAdviserCrdNo>000149003</subAdviserCrdNo>
            <subAdviserLei>549300QJHGSKBIX1VE40</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserCountry>DE</subAdviserCountry>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
          <subAdviser>
            <subAdviserName>T. Rowe Price Associates, Inc.</subAdviserName>
            <subAdviserFileNo>801-856</subAdviserFileNo>
            <subAdviserCrdNo>000105496</subAdviserCrdNo>
            <subAdviserLei>7HTL8AEQSEDX602FBU63</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MD" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Credit Suisse (Switzerland) Ltd.</custodianName>
            <custodianLei>549300CWR0W0BCS9Q144</custodianLei>
            <custodianCountry>CH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK FRANCE</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>FR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company, United Kingdom Branch</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>KR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK AG</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>NL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>SKANDINAVINSKA ENSKILDA BANKEN AB</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>SE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>FirstRand Bank Ltd.</custodianName>
            <custodianLei>ZAYQDKTCATIXF9OQY690</custodianLei>
            <custodianCountry>ZA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>61814.300000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>30962.520000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>49591.440000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>46888.690000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cowen &amp; Company</brokerName>
            <brokerFileNo>8-22522</brokerFileNo>
            <brokerCrdNo>000007616</brokerCrdNo>
            <brokerLei>549300WR155U7DVMIW58</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>41221.260000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>39343.200000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>UBS AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>BFM8T61CT2L1QCEMIK50</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>39125.200000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Suisse AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ANGGYXNX0JLX3X63JN86</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>38361.630000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Robert W. Baird &amp; Co. Incorporated</brokerName>
            <brokerFileNo>8-497</brokerFileNo>
            <brokerCrdNo>000008158</brokerCrdNo>
            <brokerLei>549300772UJAHRD6LO53</brokerLei>
            <brokerStateCountry brokerState="US-WI" brokerCountry="US"/>
            <grossCommission>35874.460000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Holdings Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>82VOJDD5PTRDMVVMGV31</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>32543.440000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>638475.720000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>4775530543.400000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>T. Rowe Price Investment Services, Inc.</principalName>
            <principalFileNo>8-25130</principalFileNo>
            <principalCrdNo>000008348</principalCrdNo>
            <principalLei>7HTL8AEQSEDX602FBU63</principalLei>
            <principalStateCountry principalState="US-MD" principalCountry="US"/>
            <principalTotalPurchaseSale>453734310.710000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Credit Suisse AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ANGGYXNX0JLX3X63JN86</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>2189488.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>902947.860000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>661378.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citadel Securities LLC</principalName>
            <principalFileNo>8-53574</principalFileNo>
            <principalCrdNo>000116797</principalCrdNo>
            <principalLei>12UUJYTN7D3SW8KCSG25</principalLei>
            <principalStateCountry principalState="US-IL" principalCountry="US"/>
            <principalTotalPurchaseSale>620293.820000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>325053.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>5233964014.790000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>822847254.290000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="3960118.750000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="4291967.610000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="22300376.000000000000" interfundLendingDaysOutstanding="3"/>
          <interfundLending interfundLendingLoanAverage="4476572.960000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Small Cap Index Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008311</mgmtInvSeriesId>
        <mgmtInvLei>549300ZI3L77YIGJS706</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022703" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022704" sharesOutstandingTickerSymbol="JESIX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022705" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
          <indexFundInfo fundType="Index Fund">
            <isIndexFundAffiliated>N</isIndexFundAffiliated>
            <isIndexFundExclusive>N</isIndexFundExclusive>
            <indexFundReturnDiffBeforeExpense>0.170000000000</indexFundReturnDiffBeforeExpense>
            <indexFundReturnDiffAfterExpense>-0.480000000000</indexFundReturnDiffAfterExpense>
            <indexFundReturnDailyStdevBeforeExpense>0.410000000000</indexFundReturnDailyStdevBeforeExpense>
            <indexFundReturnDailyStdevAfterExpense>0.410000000000</indexFundReturnDailyStdevAfterExpense>
          </indexFundInfo>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Brown Brothers Harriman &amp; Co.</securitiesAgentName>
            <securitiesAgentLei>5493006KMX1VFTPYPW14</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>27478294.360000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>622652.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (North America) Limited</subAdviserName>
            <subAdviserFileNo>N/A</subAdviserFileNo>
            <subAdviserCrdNo>000125142</subAdviserCrdNo>
            <subAdviserLei>549300LJ707JK4TLLK97</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserCountry>CA</subAdviserCountry>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Barclays Bank PLC</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>G5GSEF7VJP5I7OUK5573</brokerLei>
            <brokerCountry>GB</brokerCountry>
            <grossCommission>24076.280000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Instinet, LLC</brokerName>
            <brokerFileNo>8-23669</brokerFileNo>
            <brokerCrdNo>000007897</brokerCrdNo>
            <brokerLei>549300MGMN3RKMU8FT57</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>21732.830000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Pershing LLC</brokerName>
            <brokerFileNo>8-17574</brokerFileNo>
            <brokerCrdNo>000007560</brokerCrdNo>
            <brokerLei>ZI8Q1A8EI8LQFJNM0D94</brokerLei>
            <brokerStateCountry brokerState="US-NJ" brokerCountry="US"/>
            <grossCommission>6641.290000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>52450.400000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>1534459000.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>35888910.760000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>23993608.860000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>9973066.670000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>9945333.330000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>9942026.390000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>9939750.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>1996666.670000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>1636138362.680000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>580895280.710000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="6495435.620000000000" interfundLendingDaysOutstanding="3"/>
          <interfundLending interfundLendingLoanAverage="4500000.000000000000" interfundLendingDaysOutstanding="3"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Small Cap Opportunities Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008312</mgmtInvSeriesId>
        <mgmtInvLei>549300Y6CVKLU3UX0S19</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022707" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022708" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022709" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Brown Brothers Harriman &amp; Co.</securitiesAgentName>
            <securitiesAgentLei>5493006KMX1VFTPYPW14</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>1587108.570000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>30771.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Dimensional Fund Advisors LP</subAdviserName>
            <subAdviserFileNo>801-16283</subAdviserFileNo>
            <subAdviserCrdNo>000106482</subAdviserCrdNo>
            <subAdviserLei>S31KDR2I4VDC432ELJ36</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-TX" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
          <subAdviser>
            <subAdviserName>GW &amp; K Investment Management, LLC</subAdviserName>
            <subAdviserFileNo>801-61559</subAdviserFileNo>
            <subAdviserCrdNo>000121942</subAdviserCrdNo>
            <subAdviserLei>549300GOZ5VCT8XKSE32</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Standard Chartered Bank (Hong Kong) Limited</custodianName>
            <custodianLei>X5AV1MBDXGRPX5UGMX13</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4019.059999999990</grossCommission>
          </broker>
          <broker>
            <brokerName>CIBC World Markets Inc.</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>549300TDJKVQJ41VN031</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>740.440000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>3963.820000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Instinet, LLC</brokerName>
            <brokerFileNo>8-23669</brokerFileNo>
            <brokerCrdNo>000007897</brokerCrdNo>
            <brokerLei>549300MGMN3RKMU8FT57</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>3035.510000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Robert W. Baird &amp; Co. Incorporated</brokerName>
            <brokerFileNo>8-497</brokerFileNo>
            <brokerCrdNo>000008158</brokerCrdNo>
            <brokerLei>549300772UJAHRD6LO53</brokerLei>
            <brokerStateCountry brokerState="US-WI" brokerCountry="US"/>
            <grossCommission>1156.400000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Pershing LLC</brokerName>
            <brokerFileNo>8-17574</brokerFileNo>
            <brokerCrdNo>000007560</brokerCrdNo>
            <brokerLei>ZI8Q1A8EI8LQFJNM0D94</brokerLei>
            <brokerStateCountry brokerState="US-NJ" brokerCountry="US"/>
            <grossCommission>1072.820000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1037.390000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>William Blair</brokerName>
            <brokerFileNo>8-2698</brokerFileNo>
            <brokerCrdNo>000001252</brokerCrdNo>
            <brokerLei>549300J0P7XYE8BMZ775</brokerLei>
            <brokerStateCountry brokerState="US-IL" brokerCountry="US"/>
            <grossCommission>980.440000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Needham &amp; Company, LLC</brokerName>
            <brokerFileNo>8-33772</brokerFileNo>
            <brokerCrdNo>000016360</brokerCrdNo>
            <brokerLei>254900J2GFQ4J4NK1J89</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>945.240000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Wells Fargo Securities, LLC</brokerName>
            <brokerFileNo>8-65876</brokerFileNo>
            <brokerCrdNo>000126292</brokerCrdNo>
            <brokerLei>VYVVCKR63DVZZN70PB21</brokerLei>
            <brokerStateCountry brokerState="US-NC" brokerCountry="US"/>
            <grossCommission>797.480000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>22911.030000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>43353096.780000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>43353096.780000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>137361782.260000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Small Cap Stock Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008343</mgmtInvSeriesId>
        <mgmtInvLei>9M5JCI1ZAURJN0HC2S60</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022831" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022832" sharesOutstandingTickerSymbol="JESGX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022833" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>23465565.550000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>127476.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Wellington Management Company LLP</subAdviserName>
            <subAdviserFileNo>801-15908</subAdviserFileNo>
            <subAdviserCrdNo>000106595</subAdviserCrdNo>
            <subAdviserLei>549300YHP12TEZNLCX41</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>25710.420000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Royal Bank of Canada</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ES7IP3U3RHIGC71XBU11</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>8932.720000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>17307.190000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Holdings Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>82VOJDD5PTRDMVVMGV31</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>15616.820000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Barclays Bank PLC</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>G5GSEF7VJP5I7OUK5573</brokerLei>
            <brokerCountry>GB</brokerCountry>
            <grossCommission>15504.210000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cowen &amp; Company</brokerName>
            <brokerFileNo>8-22522</brokerFileNo>
            <brokerCrdNo>000007616</brokerCrdNo>
            <brokerLei>549300WR155U7DVMIW58</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>14682.940000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Suisse AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ANGGYXNX0JLX3X63JN86</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>11666.280000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>UBS AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>BFM8T61CT2L1QCEMIK50</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>11447.060000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>10382.420000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>10018.250000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>226871.460000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Cowen &amp; Company</principalName>
            <principalFileNo>8-22522</principalFileNo>
            <principalCrdNo>000007616</principalCrdNo>
            <principalLei>549300WR155U7DVMIW58</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1984352850.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>26000.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>4486700.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>3880781.750000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>2943470.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>2567425.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>2187935.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Credit Suisse AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ANGGYXNX0JLX3X63JN86</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>1150275.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>729350.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>281767.500000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>2002606554.250000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>298716213.020000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="2692654.520000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="2992586.970000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Small Cap Value Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008313</mgmtInvSeriesId>
        <mgmtInvLei>549300JDLBXTQE5ZT715</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022711" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022712" sharesOutstandingTickerSymbol="JESVX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022713" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>6119822.120000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>22782.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Wellington Management Company LLP</subAdviserName>
            <subAdviserFileNo>801-15908</subAdviserFileNo>
            <subAdviserCrdNo>000106595</subAdviserCrdNo>
            <subAdviserLei>549300YHP12TEZNLCX41</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company, United Kingdom Branch</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>15251.950000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cantor Fitzgerald &amp; Co.</brokerName>
            <brokerFileNo>8-201</brokerFileNo>
            <brokerCrdNo>000000134</brokerCrdNo>
            <brokerLei>5493004J7H4GCPG6OB62</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4562.940000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>15218.520000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>13883.360000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Barclays Bank PLC</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>G5GSEF7VJP5I7OUK5573</brokerLei>
            <brokerCountry>GB</brokerCountry>
            <grossCommission>10569.140000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>JonesTrading Institutional Services LLC</brokerName>
            <brokerFileNo>8-26089</brokerFileNo>
            <brokerCrdNo>000006888</brokerCrdNo>
            <brokerLei>2138008JJ5PA8H5UIL69</brokerLei>
            <brokerStateCountry brokerState="US-CA" brokerCountry="US"/>
            <grossCommission>7844.920000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cowen &amp; Company</brokerName>
            <brokerFileNo>8-22522</brokerFileNo>
            <brokerCrdNo>000007616</brokerCrdNo>
            <brokerLei>549300WR155U7DVMIW58</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>7798.000000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>SunTrust Investment Services, Inc.</brokerName>
            <brokerFileNo>8-35355</brokerFileNo>
            <brokerCrdNo>000017499</brokerCrdNo>
            <brokerLei>IYDOJBGJWY9T8XKCSX06</brokerLei>
            <brokerStateCountry brokerState="US-GA" brokerCountry="US"/>
            <grossCommission>6831.300000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Royal Bank of Canada</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ES7IP3U3RHIGC71XBU11</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>5933.210000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>UBS AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>BFM8T61CT2L1QCEMIK50</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>4845.230000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>149678.830000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>4208200000.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>1131102.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>4209331102.000000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>504160834.600000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="10854176.530000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="3600000.000000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Small Company Value Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008316</mgmtInvSeriesId>
        <mgmtInvLei>549300KS0IAIE5QIQ073</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022723" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022724" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022725" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>6858481.250000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>94312.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 17a-7 (17 CFR 270.17a-7)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>T. Rowe Price Associates, Inc.</subAdviserName>
            <subAdviserFileNo>801-856</subAdviserFileNo>
            <subAdviserCrdNo>000105496</subAdviserCrdNo>
            <subAdviserLei>7HTL8AEQSEDX602FBU63</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MD" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>3958.780000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cowen &amp; Company</brokerName>
            <brokerFileNo>8-22522</brokerFileNo>
            <brokerCrdNo>000007616</brokerCrdNo>
            <brokerLei>549300WR155U7DVMIW58</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1934.580000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Barclays Bank PLC</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>G5GSEF7VJP5I7OUK5573</brokerLei>
            <brokerCountry>GB</brokerCountry>
            <grossCommission>3001.020000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Virtu Americas LLC</brokerName>
            <brokerFileNo>8-68193</brokerFileNo>
            <brokerCrdNo>000149823</brokerCrdNo>
            <brokerLei>549300RA02N3BNSWBV74</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>2999.170000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>2672.040000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>2475.610000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Royal Bank of Canada</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ES7IP3U3RHIGC71XBU11</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>2470.620000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Stifel, Nicolaus &amp; Company, Incorporated</brokerName>
            <brokerFileNo>8-1447</brokerFileNo>
            <brokerCrdNo>000000793</brokerCrdNo>
            <brokerLei>5WUVMA08EYG4KEUPW589</brokerLei>
            <brokerStateCountry brokerState="US-MO" brokerCountry="US"/>
            <grossCommission>2427.700000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Holdings Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>82VOJDD5PTRDMVVMGV31</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>2074.610000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1953.530000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>48219.400000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>T. Rowe Price Investment Services, Inc.</principalName>
            <principalFileNo>8-25130</principalFileNo>
            <principalCrdNo>000008348</principalCrdNo>
            <principalLei>7HTL8AEQSEDX602FBU63</principalLei>
            <principalStateCountry principalState="US-MD" principalCountry="US"/>
            <principalTotalPurchaseSale>51387365.670000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Stephens Inc.</principalName>
            <principalFileNo>8-1927</principalFileNo>
            <principalCrdNo>000003496</principalCrdNo>
            <principalLei>213800LH6T9XDYZCA534</principalLei>
            <principalStateCountry principalState="US-AR" principalCountry="US"/>
            <principalTotalPurchaseSale>300531.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>31546997.130000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1883264.640000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>515357.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>470887.750000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>380808.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Credit Suisse AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ANGGYXNX0JLX3X63JN86</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>362029.650000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>KeyBanc Capital Markets Inc.</principalName>
            <principalFileNo>8-30177</principalFileNo>
            <principalCrdNo>000000566</principalCrdNo>
            <principalLei>2EQWV0180Z211YVAD813</principalLei>
            <principalStateCountry principalState="US-OH" principalCountry="US"/>
            <principalTotalPurchaseSale>343869.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>332942.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>88136512.030000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>145610099.330000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="1700000.000000000000" interfundLendingDaysOutstanding="3"/>
          <interfundLending interfundLendingLoanAverage="2453545.210000000000" interfundLendingDaysOutstanding="3"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Strategic Equity Allocation Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000036499</mgmtInvSeriesId>
        <mgmtInvLei>549300LDX3WB2I6E3419</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000111804" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>163328866.830000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>1940341.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK FRANCE</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>FR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company, United Kingdom Branch</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Standard Chartered Bank (Hong Kong) Limited</custodianName>
            <custodianLei>X5AV1MBDXGRPX5UGMX13</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Bank Hapoalim B.M.</custodianName>
            <custodianLei>B6ARUI4946ST4S7WOU88</custodianLei>
            <custodianCountry>IL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank S.p.A.</custodianName>
            <custodianLei>529900SS7ZWCX82U3W60</custodianLei>
            <custodianCountry>IT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>JP</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK AG</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>NL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Skandinaviska Enskilda Banken AB</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>NO</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The HongKong &amp; Shanghai Banking Corp. Ltd.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>NZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK PORTUGAL</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>PT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK AG</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>AT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>SKANDINAVINSKA ENSKILDA BANKEN AB</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>SE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>CITIBANK SINGAPORE LIMITED</custodianName>
            <custodianLei>VGB4JDQHF6JTNV02DJ20</custodianLei>
            <custodianCountry>SG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC BANK AUSTRALIA LIMITED</custodianName>
            <custodianLei>DY9DBNI4W8J63Z298033</custodianLei>
            <custodianCountry>AU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK AG, NETHERLANDS</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Credit Suisse (Switzerland) Ltd.</custodianName>
            <custodianLei>549300CWR0W0BCS9Q144</custodianLei>
            <custodianCountry>CH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>SKANDINAVISKA ENSKILDA BANKEN AB</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>DK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank S.A.E.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>ES</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>SKANDINAVISKA ENSKILDA BANKEN AB</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>FI</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>108132.990000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Holdings Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>82VOJDD5PTRDMVVMGV31</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>91708.280000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cowen &amp; Company</brokerName>
            <brokerFileNo>8-22522</brokerFileNo>
            <brokerCrdNo>000007616</brokerCrdNo>
            <brokerLei>549300WR155U7DVMIW58</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>85852.320000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Barclays Bank PLC</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>G5GSEF7VJP5I7OUK5573</brokerLei>
            <brokerCountry>GB</brokerCountry>
            <grossCommission>39325.839999999900</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>37103.660000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Pershing LLC</brokerName>
            <brokerFileNo>8-17574</brokerFileNo>
            <brokerCrdNo>000007560</brokerCrdNo>
            <brokerLei>ZI8Q1A8EI8LQFJNM0D94</brokerLei>
            <brokerStateCountry brokerState="US-NJ" brokerCountry="US"/>
            <grossCommission>31081.980000000100</grossCommission>
          </broker>
          <broker>
            <brokerName>Instinet, LLC</brokerName>
            <brokerFileNo>8-23669</brokerFileNo>
            <brokerCrdNo>000007897</brokerCrdNo>
            <brokerLei>549300MGMN3RKMU8FT57</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>28705.350000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>25672.000000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>3185.690000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>450768.110000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>6307839000.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Bank of Montreal</principalName>
            <principalFileNo>8-67064</principalFileNo>
            <principalCrdNo>000137115</principalCrdNo>
            <principalLei>NQQ6HPCNCCU6TUTQYE16</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>64695500.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1001097272.890000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Pershing LLC</principalName>
            <principalFileNo>8-17574</principalFileNo>
            <principalCrdNo>000007560</principalCrdNo>
            <principalLei>ZI8Q1A8EI8LQFJNM0D94</principalLei>
            <principalStateCountry principalState="US-NJ" principalCountry="US"/>
            <principalTotalPurchaseSale>599517023.440000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>310996508.160000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>293514950.420000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>245128017.840000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>176883868.050000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>174247769.440000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>159460567.550000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>9425791433.530000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>9731086132.510000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="6937830.330000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="3379891.840000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="2800725.200000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="4524642.380000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Total Stock Market Index Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008325</mgmtInvSeriesId>
        <mgmtInvLei>549300B3U486VL3U2L36</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022759" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022760" sharesOutstandingTickerSymbol="JETSX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022761" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
          <indexFundInfo fundType="Index Fund">
            <isIndexFundAffiliated>N</isIndexFundAffiliated>
            <isIndexFundExclusive>N</isIndexFundExclusive>
            <indexFundReturnDiffBeforeExpense>0.030000000000</indexFundReturnDiffBeforeExpense>
            <indexFundReturnDiffAfterExpense>-0.610000000000</indexFundReturnDiffAfterExpense>
            <indexFundReturnDailyStdevBeforeExpense>0.260000000000</indexFundReturnDailyStdevBeforeExpense>
            <indexFundReturnDailyStdevAfterExpense>0.260000000000</indexFundReturnDailyStdevAfterExpense>
          </indexFundInfo>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Brown Brothers Harriman &amp; Co.</securitiesAgentName>
            <securitiesAgentLei>5493006KMX1VFTPYPW14</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>9260743.560000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>251727.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (North America) Limited</subAdviserName>
            <subAdviserFileNo>N/A</subAdviserFileNo>
            <subAdviserCrdNo>000125142</subAdviserCrdNo>
            <subAdviserLei>549300LJ707JK4TLLK97</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserCountry>CA</subAdviserCountry>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company, United Kingdom Branch</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Barclays Bank PLC</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>G5GSEF7VJP5I7OUK5573</brokerLei>
            <brokerCountry>GB</brokerCountry>
            <grossCommission>11811.200000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>9246.610000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Instinet, LLC</brokerName>
            <brokerFileNo>8-23669</brokerFileNo>
            <brokerCrdNo>000007897</brokerCrdNo>
            <brokerLei>549300MGMN3RKMU8FT57</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>5120.590000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>26178.400000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>1421259000.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>44881237.750000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Pershing LLC</principalName>
            <principalFileNo>8-17574</principalFileNo>
            <principalCrdNo>000007560</principalCrdNo>
            <principalLei>ZI8Q1A8EI8LQFJNM0D94</principalLei>
            <principalStateCountry principalState="US-NJ" principalCountry="US"/>
            <principalTotalPurchaseSale>28841546.670000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>23167993.060000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>3993557.780000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1.140000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>1522143336.400000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>742954155.000000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="5900000.000000000000" interfundLendingDaysOutstanding="3"/>
          <interfundLending interfundLendingLoanAverage="9431404.310000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="4600000.000000000000" interfundLendingDaysOutstanding="3"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Active Bond Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008236</mgmtInvSeriesId>
        <mgmtInvLei>EZWYQR34P3DMTNKY7C97</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022430" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022431" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022432" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>6182286.383333330000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>63280.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 17a-7 (17 CFR 270.17a-7)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company, United Kingdom Branch</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.000000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>1087939820.460000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>73485676.970000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1052097602.430000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>982268433.260000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>421564047.200000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>394799671.470000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Wells Fargo Securities, LLC</principalName>
            <principalFileNo>8-65876</principalFileNo>
            <principalCrdNo>000126292</principalCrdNo>
            <principalLei>VYVVCKR63DVZZN70PB21</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>354995631.050000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>293508967.080000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>HSBC Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>MP6I5ZYZBEU3UXPYFY54</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>137078578.060000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>116152641.980000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>5187032452.720000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>707150101.440000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="4900915.570000000000" interfundLendingDaysOutstanding="3"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Core Bond Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008222</mgmtInvSeriesId>
        <mgmtInvLei>5493000JHYET8HXSSN85</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022374" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022375" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022376" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>5304511.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>25558.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 10f-3 (17 CFR 270.10f-3)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Wells Capital Management, Incorporated</subAdviserName>
            <subAdviserFileNo>801-21122</subAdviserFileNo>
            <subAdviserCrdNo>000104973</subAdviserCrdNo>
            <subAdviserLei>549300B3H2IOO2L85I90</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-CA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.000000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1829409521.020000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Credit Suisse AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ANGGYXNX0JLX3X63JN86</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>760750759.660000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1664176195.320000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1489432219.310000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1294876950.260000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>1272228255.890000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Industrial &amp; Commercial Bank of China Limited</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>549300RB8ZUQ2QO5HJ15</principalLei>
            <principalCountry>CN</principalCountry>
            <principalTotalPurchaseSale>1030033004.470000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>NatWest Markets PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>RR3QWICWWIPCS8A4S074</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>986252994.390000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>915272173.100000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>770245469.130000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>15654373659.710000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1083965382.790000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>50000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="BNP Paribas"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Diversified Real Assets Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Real Estate Securities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Core Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II U.S.High Yield Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Estate Securities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Core Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Equity Index Trust" secFileNo="811-04146"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Global Bond Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008233</mgmtInvSeriesId>
        <mgmtInvLei>OU1T3WRT0HTCZGXSYU41</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022418" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022419" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022420" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>Y</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>0.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 17a-7 (17 CFR 270.17a-7)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Pacific Investment Management Company LLC</subAdviserName>
            <subAdviserFileNo>801-478187</subAdviserFileNo>
            <subAdviserCrdNo>000104559</subAdviserCrdNo>
            <subAdviserLei>549300KGPYQZXGMYYN38</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-CA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC BANK AUSTRALIA LIMITED</custodianName>
            <custodianLei>DY9DBNI4W8J63Z298033</custodianLei>
            <custodianCountry>AU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>SKANDINAVISKA ENSKILDA BANKEN AB</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>DK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company, United Kingdom Branch</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank S.p.A.</custodianName>
            <custodianLei>529900SS7ZWCX82U3W60</custodianLei>
            <custodianCountry>IT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>JP</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>BANCO NACIONAL DE MEXICO</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>MX</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>BANK HANDLOWY W WARSZAWIE S.A.</custodianName>
            <custodianLei>XLEZHWWOI4HFQDGL4793</custodianLei>
            <custodianCountry>PL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Credit Suisse AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ANGGYXNX0JLX3X63JN86</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>3746.910000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</brokerName>
            <brokerFileNo>8-7221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>28.800000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>15.000000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>3790.710000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Credit Suisse AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ANGGYXNX0JLX3X63JN86</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>4614772448.180000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNP Paribas</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>R0MUWSFPU8MPRO8K5P83</principalLei>
            <principalCountry>FR</principalCountry>
            <principalTotalPurchaseSale>114043921.020000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>729636655.490000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>484560126.940000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>376934390.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>352934965.140000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>267833869.790000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Royal Bank of Canada</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ES7IP3U3RHIGC71XBU11</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>249849094.620000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Credit Agricole SA</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>969500TJ5KRTCJQWXH05</principalLei>
            <principalCountry>FR</principalCountry>
            <principalTotalPurchaseSale>237191922.210000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>235935045.720000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>8057413342.950000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>202229737.130000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>High Yield Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008240</mgmtInvSeriesId>
        <mgmtInvLei>5493001XVD08CPQXGQ14</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022446" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022447" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022448" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>11347258.925833300000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>78852.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Western Asset Management Company</subAdviserName>
            <subAdviserFileNo>801-8162</subAdviserFileNo>
            <subAdviserCrdNo>000110427</subAdviserCrdNo>
            <subAdviserLei>549300C5A561UXUICN46</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-CA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>CITIBANK, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>BR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>ID</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Barclays Bank PLC</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>G5GSEF7VJP5I7OUK5573</brokerLei>
            <brokerCountry>GB</brokerCountry>
            <grossCommission>295.120000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Wells Fargo Securities, LLC</brokerName>
            <brokerFileNo>8-65876</brokerFileNo>
            <brokerCrdNo>000126292</brokerCrdNo>
            <brokerLei>VYVVCKR63DVZZN70PB21</brokerLei>
            <brokerStateCountry brokerState="US-NC" brokerCountry="US"/>
            <grossCommission>248.880000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>544.000000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>110880864.980000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Royal Bank of Canada</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ES7IP3U3RHIGC71XBU11</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>10884762.500000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>41370708.660000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>38415615.790000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Credit Suisse AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ANGGYXNX0JLX3X63JN86</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>22008494.800000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>15606162.680000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>15127392.940000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>14527035.510000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>13304481.870000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Wells Fargo Securities, LLC</principalName>
            <principalFileNo>8-65876</principalFileNo>
            <principalCrdNo>000126292</principalCrdNo>
            <principalLei>VYVVCKR63DVZZN70PB21</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>11927047.830000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>327482013.130000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>204212133.420000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Investment Quality Bond Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008273</mgmtInvSeriesId>
        <mgmtInvLei>60Q7C9MVDY13ALSK8V97</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022567" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022568" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022569" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>1321876.230000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>6105.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Wellington Management Company LLP</subAdviserName>
            <subAdviserFileNo>801-15908</subAdviserFileNo>
            <subAdviserCrdNo>000106595</subAdviserCrdNo>
            <subAdviserLei>549300YHP12TEZNLCX41</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC BANK AUSTRALIA LIMITED</custodianName>
            <custodianLei>DY9DBNI4W8J63Z298033</custodianLei>
            <custodianCountry>AU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>EG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>JP</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The HongKong &amp; Shanghai Banking Corp. Ltd.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>NZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.000000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Deutsche Bank AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>213800QILIUD4ROSUO03</principalLei>
            <principalCountry>DE</principalCountry>
            <principalTotalPurchaseSale>1127184028.920000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Nomura Holdings, Inc.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>549300B3CEAHYG7K8164</principalLei>
            <principalCountry>JP</principalCountry>
            <principalTotalPurchaseSale>13108511.390000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>551519078.810000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>471360145.490000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>464801021.270000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>355807058.100000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>231944148.960000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Wells Fargo Securities, LLC</principalName>
            <principalFileNo>8-65876</principalFileNo>
            <principalCrdNo>000126292</principalCrdNo>
            <principalLei>VYVVCKR63DVZZN70PB21</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>201476737.570000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Credit Suisse AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ANGGYXNX0JLX3X63JN86</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>146360641.620000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>38529517.530000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>3670922659.760000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>255981129.400000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="2269534.730000000000" interfundLendingDaysOutstanding="3"/>
          <interfundLending interfundLendingLoanAverage="2645061.540000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Select Bond Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000026132</mgmtInvSeriesId>
        <mgmtInvLei>549300VA17RPTF33B015</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000078285" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000078286" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000078287" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>73213236.070000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>1044740.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.000000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>24730735414.930000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Deutsche Bank AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>213800QILIUD4ROSUO03</principalLei>
            <principalCountry>DE</principalCountry>
            <principalTotalPurchaseSale>1926045165.720000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>5334833626.380000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>3676411434.830000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>HSBC Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>MP6I5ZYZBEU3UXPYFY54</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>3057889259.990000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>2561341500.860000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Wells Fargo Securities, LLC</principalName>
            <principalFileNo>8-65876</principalFileNo>
            <principalCrdNo>000126292</principalCrdNo>
            <principalLei>VYVVCKR63DVZZN70PB21</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>2390988264.810010000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>2237985873.300000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>2180061630.890000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Royal Bank of Canada</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>ES7IP3U3RHIGC71XBU11</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>2032108157.210000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>58010677808.640000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>8315261385.180000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="2860664.000000000000" interfundLendingDaysOutstanding="1"/>
          <interfundLending interfundLendingLoanAverage="10064655.000000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Short Term Government Income Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000024662</mgmtInvSeriesId>
        <mgmtInvLei>5493001W4Z4G4HXZNS38</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000073237" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000073238" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000073239" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>478949.800000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>3203.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.000000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>436446088.050000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>7331718.170000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>92879303.709999900000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>57645603.990000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>49039236.860000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>28825000.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>22317623.690000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Pershing LLC</principalName>
            <principalFileNo>8-17574</principalFileNo>
            <principalCrdNo>000007560</principalCrdNo>
            <principalLei>ZI8Q1A8EI8LQFJNM0D94</principalLei>
            <principalStateCountry principalState="US-NJ" principalCountry="US"/>
            <principalTotalPurchaseSale>22069022.200000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Deutsche Bank AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>213800QILIUD4ROSUO03</principalLei>
            <principalCountry>DE</principalCountry>
            <principalTotalPurchaseSale>21051863.890000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Nomura Holdings, Inc.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>549300B3CEAHYG7K8164</principalLei>
            <principalCountry>JP</principalCountry>
            <principalTotalPurchaseSale>8103099.750000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>793884588.730000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>179770035.870000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Strategic Income Opportunities Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008320</mgmtInvSeriesId>
        <mgmtInvLei>GHVLU4RL6XOLROKM7S50</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022739" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022740" sharesOutstandingTickerSymbol="JESNX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022741" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>4733664.535833330000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>43843.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>DEUTSCHE BANK AG</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>PH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>CITIBANK SINGAPORE LIMITED</custodianName>
            <custodianLei>VGB4JDQHF6JTNV02DJ20</custodianLei>
            <custodianCountry>SG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>CITIBANK, N.A.</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>BR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Cititrust Colombia S.A. Sociedad Fiduciaria</custodianName>
            <custodianLei>549300242J3IJCOSGI49</custodianLei>
            <custodianCountry>CO</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company, United Kingdom Branch</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>ID</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>JP</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>N/A</custodianLei>
            <custodianCountry>KR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>STANDARD CHARTERED BANK MALAYSIA BERHAD</custodianName>
            <custodianLei>549300JTJBG2QBI8KD48</custodianLei>
            <custodianCountry>MY</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Deutsche Bank AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>213800QILIUD4ROSUO03</brokerLei>
            <brokerCountry>DE</brokerCountry>
            <grossCommission>16642.890000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>491.970000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>National Financial Services LLC</brokerName>
            <brokerFileNo>8-26740</brokerFileNo>
            <brokerCrdNo>000013041</brokerCrdNo>
            <brokerLei>549300JRHF1MHHWUAW04</brokerLei>
            <brokerStateCountry brokerState="US-MA" brokerCountry="US"/>
            <grossCommission>6162.610000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Stifel, Nicolaus &amp; Company, Incorporated</brokerName>
            <brokerFileNo>8-1447</brokerFileNo>
            <brokerCrdNo>000000793</brokerCrdNo>
            <brokerLei>5WUVMA08EYG4KEUPW589</brokerLei>
            <brokerStateCountry brokerState="US-MO" brokerCountry="US"/>
            <grossCommission>3110.550000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Barclays Bank PLC</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>G5GSEF7VJP5I7OUK5573</brokerLei>
            <brokerCountry>GB</brokerCountry>
            <grossCommission>1673.280000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Sanford C. Bernstein &amp; Co., LLC</brokerName>
            <brokerFileNo>8-52942</brokerFileNo>
            <brokerCrdNo>000104474</brokerCrdNo>
            <brokerLei>549300I7JYZHT7D5CO04</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1656.030000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1467.840000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Suisse AG</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ANGGYXNX0JLX3X63JN86</brokerLei>
            <brokerCountry>CH</brokerCountry>
            <grossCommission>704.060000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Wells Fargo Securities, LLC</brokerName>
            <brokerFileNo>8-65876</brokerFileNo>
            <brokerCrdNo>000126292</brokerCrdNo>
            <brokerLei>VYVVCKR63DVZZN70PB21</brokerLei>
            <brokerStateCountry brokerState="US-NC" brokerCountry="US"/>
            <grossCommission>620.760000000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Robert W. Baird &amp; Co. Incorporated</brokerName>
            <brokerFileNo>8-497</brokerFileNo>
            <brokerCrdNo>000008158</brokerCrdNo>
            <brokerLei>549300772UJAHRD6LO53</brokerLei>
            <brokerStateCountry brokerState="US-WI" brokerCountry="US"/>
            <grossCommission>584.280000000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>35364.500000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>1679002449.390000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Wells Fargo Securities, LLC</principalName>
            <principalFileNo>8-65876</principalFileNo>
            <principalCrdNo>000126292</principalCrdNo>
            <principalLei>VYVVCKR63DVZZN70PB21</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>53225335.960000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>397021317.700000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>249951000.580000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>212263799.090000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>170071095.420000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>94863474.010000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>79639741.540000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>74554328.330000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>67468337.180000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>3380766955.590000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>484849740.180000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="1662661.000000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Total Bond Market Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008214</mgmtInvSeriesId>
        <mgmtInvLei>549300K2P0QTR2OC8M77</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022342" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000117965" sharesOutstandingTickerSymbol="JTBMX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000117966" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
          <indexFundInfo fundType="Index Fund">
            <isIndexFundAffiliated>N</isIndexFundAffiliated>
            <isIndexFundExclusive>N</isIndexFundExclusive>
            <indexFundReturnDiffBeforeExpense>-0.160000000000</indexFundReturnDiffBeforeExpense>
            <indexFundReturnDiffAfterExpense>-0.480000000000</indexFundReturnDiffAfterExpense>
            <indexFundReturnDailyStdevBeforeExpense>0.920000000000</indexFundReturnDailyStdevBeforeExpense>
            <indexFundReturnDailyStdevAfterExpense>0.920000000000</indexFundReturnDailyStdevAfterExpense>
          </indexFundInfo>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>4583122.600833330000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>30242.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.000000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>304236048.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated</principalName>
            <principalFileNo>8-7221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>45591370.920000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Nomura Holdings, Inc.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>549300B3CEAHYG7K8164</principalLei>
            <principalCountry>JP</principalCountry>
            <principalTotalPurchaseSale>253697161.090000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>241206321.910000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>233440140.810000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>224711803.630000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>149885894.960000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>106411716.070000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Wells Fargo Securities, LLC</principalName>
            <principalFileNo>8-65876</principalFileNo>
            <principalCrdNo>000126292</principalCrdNo>
            <principalLei>VYVVCKR63DVZZN70PB21</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>92316607.100000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>54480611.420000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>1759130816.020000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>615655756.710000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="1748813.460000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Ultra Short Term Bond Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000029542</mgmtInvSeriesId>
        <mgmtInvLei>549300OM0D3R3B7U9371</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000090651" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000090649" sharesOutstandingTickerSymbol="JUSAX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000090650" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>Citibank, NA</securitiesAgentName>
            <securitiesAgentLei>E57ODZWZ7FF32TWEFA76</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <collateralManagers>
          <collateralManager collateralManagerName="John Hancock Collateral Trust" collateralManagerLei="549300GI4WS1PWF4QJ82" isCollateralManagerAffliliated="N" isCollateralManagerAffliliatedWithFund="Y"/>
        </collateralManagers>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>1164840.210000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>6900.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.000000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>938325621.280000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Nomura Holdings, Inc.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>549300B3CEAHYG7K8164</principalLei>
            <principalCountry>JP</principalCountry>
            <principalTotalPurchaseSale>24972988.550000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>202114023.250000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>115735507.160000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>109067763.230000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>102366220.520000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Wells Fargo Securities, LLC</principalName>
            <principalFileNo>8-65876</principalFileNo>
            <principalCrdNo>000126292</principalCrdNo>
            <principalLei>VYVVCKR63DVZZN70PB21</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>49429503.050000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Deutsche Bank AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>213800QILIUD4ROSUO03</principalLei>
            <principalCountry>DE</principalCountry>
            <principalTotalPurchaseSale>47186219.040000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Holdings Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>82VOJDD5PTRDMVVMGV31</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>39814253.610000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNP Paribas</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>R0MUWSFPU8MPRO8K5P83</principalLei>
            <principalCountry>FR</principalCountry>
            <principalTotalPurchaseSale>31755659.290000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>1791022247.000000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>250491373.270000000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <interfundLendingDetails isInterfundLending="Y">
          <interfundLending interfundLendingLoanAverage="1214131.000000000000" interfundLendingDaysOutstanding="1"/>
        </interfundLendingDetails>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>Money Market Trust</mgmtInvFundName>
        <mgmtInvSeriesId>S000008290</mgmtInvSeriesId>
        <mgmtInvLei>549300ESK66GM10JUW97</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="NAV" sharesOutstandingClassId="C000022640" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Series I" sharesOutstandingClassId="C000022641" sharesOutstandingTickerSymbol="JHOXX"/>
          <sharesOutstanding sharesOutstandingClassName="Series II" sharesOutstandingClassId="C000022642" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Money Market Fund</fundType>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>N</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>0.000000000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.000000000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>John Hancock Variable Trust Advisers LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-28947</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000016009</investmentAdviserCrdNo>
            <investmentAdviserLei>N/A</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-MA" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Manulife Investment Management (US) LLC</subAdviserName>
            <subAdviserFileNo>801-42023</subAdviserFileNo>
            <subAdviserCrdNo>000106435</subAdviserCrdNo>
            <subAdviserLei>549300ZKXV1OCZQWDK34</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv</pricingServiceName>
            <pricingServiceLei>549300561UZND4C7B569</pricingServiceLei>
            <pricingServiceCountry>CA</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Pricing Direct</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg LP</pricingServiceName>
            <pricingServiceLei>N/A</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-DE" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>State Street Bank and Trust Company</pricingServiceName>
            <pricingServiceLei>571474TGEMMWANRLN572</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>John Hancock Variable Trust Advisers LLC</adminName>
            <adminLei>N/A</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>N</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>John Hancock Distributors, LLC</brokerDealerName>
            <brokerDealerFileNo>8-15826</brokerDealerFileNo>
            <brokerDealerCrdNo>000005249</brokerDealerCrdNo>
            <brokerDealerLei>N/A</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-MA" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.000000000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.000000000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Barclays Bank PLC</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>G5GSEF7VJP5I7OUK5573</principalLei>
            <principalCountry>GB</principalCountry>
            <principalTotalPurchaseSale>42809549874.380000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Pershing LLC</principalName>
            <principalFileNo>8-17574</principalFileNo>
            <principalCrdNo>000007560</principalCrdNo>
            <principalLei>ZI8Q1A8EI8LQFJNM0D94</principalLei>
            <principalStateCountry principalState="US-NJ" principalCountry="US"/>
            <principalTotalPurchaseSale>403867120.930000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>41231532000.000000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>7644485267.860000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>BFM8T61CT2L1QCEMIK50</principalLei>
            <principalCountry>CH</principalCountry>
            <principalTotalPurchaseSale>5670561848.970000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>2100580686.420000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>INTL FCStone Financial Inc.</principalName>
            <principalFileNo>8-51269</principalFileNo>
            <principalCrdNo>000045993</principalCrdNo>
            <principalLei>549300LNKU6K5TJCRG93</principalLei>
            <principalStateCountry principalState="US-FL" principalCountry="US"/>
            <principalTotalPurchaseSale>1453771575.630000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1039187810.200000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Nomura Holdings, Inc.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>549300B3CEAHYG7K8164</principalLei>
            <principalCountry>JP</principalCountry>
            <principalTotalPurchaseSale>424612304.470000000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Deutsche Bank AG</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>213800QILIUD4ROSUO03</principalLei>
            <principalCountry>DE</principalCountry>
            <principalTotalPurchaseSale>413701097.840000000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>104781932811.770000000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>0.000000000000</mnthlyAvgNetAssets>
        <dailyAvgNetAssets>1966595651.870000000000</dailyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>275000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="The Bank of Nova Scotia"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>137500000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Royal Bank of Canada"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust Company"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>100000000.000000000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Wells Fargo Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="John Hancock Balanced Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III International Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Global Shareholder Yield Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Income Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Growth Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Balanced Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Income Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II U.S. Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Income Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Spectrum Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Short Duration Credit Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Disciplined Alternative Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Emerging Markets ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Funds II Mid Cap Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Cap Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II High Yield Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Equity Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Absolute Return Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Global Franchise Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Floating Rate Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Diversified Strategies Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Asia Pacific Total Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Small Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Technology ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Materials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Industrials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Financials ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Developed International ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Discretionary ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Collateral Trust Fund" secFileNo="811-23027"/>
                <creditUser fundName="John Hancock Classic Value Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock Investment Grade Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Government Income Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Lifestyle Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American International Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Asset Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Utilities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Bond Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Equity Allocation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Active Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Science &amp; Technology Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mutual Shares Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Growth Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Health Sciences Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental All Cap Core Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Equity Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Select Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust 500 Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Bond Fund" secFileNo="811-02402"/>
                <creditUser fundName="John Hancock High Yield Municipal Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Regional Bank Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Value Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Seaport Long/Short Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Fundamental Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG International Equity Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Infrastructure Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Disciplined Value International Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds III U.S. Quality Growth Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds III Disciplined Value Mid Cap Fund" secFileNo="811-21777"/>
                <creditUser fundName="John Hancock Funds II Retirement Income 2040 Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2055 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2045 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2035 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2025 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2015 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2060 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2050 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2040 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2030 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2020 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager 2010 Lifetime Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2060 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2050 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2040 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2030 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index 2020 Preservation Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Moderate Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multi-Index Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Conservative Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Multimanager Lifestyle Aggressive Portfolio" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Alternative Asset Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Strategic Equity Allocation Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Company Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Small Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="JHF International Dynamic Growth Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Funds II Science &amp; Technology Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Real Return Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II New Opportunities Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Mid Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Small Company Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II International Growth Stock Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Health Sciences Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Global Bond Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental Large Cap Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Fundamental All Cap Core Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Equity Income Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Emerging Markets Debt Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Capital Appreciation Value Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Blue Chip Growth Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Funds II Absolute Return Currency Fund" secFileNo="811-21779"/>
                <creditUser fundName="John Hancock Multifactor Utilities ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Mid Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Large Cap ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Health Care ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Energy ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Multifactor Consumer Staples ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock Money Market Fund" secFileNo="811-02485"/>
                <creditUser fundName="John Hancock U.S. Global Leaders Growth Fund" secFileNo="811-01677"/>
                <creditUser fundName="John Hancock California Tax-Free Income Fund" secFileNo="811-05979"/>
                <creditUser fundName="John Hancock High Yield Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Multifactor Media and Communications ETF" secFileNo="811-22733"/>
                <creditUser fundName="John Hancock ESG Core Bond Fund" secFileNo="811-03006"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Moderate Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Growth Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Conservative Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Balanced Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Managed Volatility Aggressive Portfolio" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Growth-Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust American Global Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Ultra Short Term Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Total Stock Market Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Strategic Income Opportunities Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Company Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Small Cap Index Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Short Term Government Income Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Global Thematic Opportunities Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Money Market Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Mid Cap Stock Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Investment Quality Bond Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust International Small Company Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust High Yield Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Global Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Fundamental Large Cap Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Financial Industries Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Emerging Markets Value Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Capital Appreciation Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Variable Insurance Trust Blue Chip Growth Trust" secFileNo="811-04146"/>
                <creditUser fundName="John Hancock Income Fund" secFileNo="811-04651"/>
                <creditUser fundName="John Hancock Tax-Free Bond Fund" secFileNo="811-05968"/>
                <creditUser fundName="John Hancock Financial Industries Fund" secFileNo="811-03999"/>
                <creditUser fundName="John Hancock Small Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG Large Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock ESG All Cap Core Fund" secFileNo="811-00560"/>
                <creditUser fundName="John Hancock Emerging Markets Equity Fund" secFileNo="811-00560"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
    </managementInvestmentQuestionSeriesInfo>
    <exchangeSeriesInfo/>
    <attachmentsTab>
      <isIPAReportInternalControl>true</isIPAReportInternalControl>
      <isInfoRequiredEO>true</isInfoRequiredEO>
    </attachmentsTab>
    <signature registrantSignedName="John Hancock Variable Insurance Trust" signedDate="2020-03-10" signature="Salvatore Schiavone" title="Treasurer"/>
  </formData>
</edgarSubmission>
