John Hancock Financial Services, Inc.

John Hancock Financial Services, Inc. is a leading financial services company, providing a broad array of insurance and investment products and services to retail and institutional customers. In the quarter ended September 30, 2002, Hancock’s net operating income was $0.64 per share and net operating income ROE was 13.1%. Core life insurance sales grew 33% over the year-ago quarter to $58.9 million

Helping to drive growth is the John Hancock brand which was recognized by The New York Times as one of the “100 most powerful corporate, media and product brands of the 20th century.”* John Hancock was the only insurer included on this prestigious list. The company also receives among the highest financial strength ratings from A.M. Best, Fitch, Moody's and Standard and Poor's.

After nearly 138 years as a mutual insurer, John Hancock converted to a publicly traded company in early 2000 and was added to the S&P 500 in 2001. We strongly believe the focus and urgency demanded of a public company are key to making John Hancock a strong competitor today.

We seek to hire and retain individuals who are smart, flexible, focused and performance-driven. We value individuals for their unique talents and diverse background. Applicants should personify excellence, leadership, teamwork and integrity. In return, we offer excellent opportunities for career growth and individual achievement.

We achieve strong business results and productivity when employees can find satisfaction in both their professional and personal lives. This philosophy is woven into the fiber of John Hancock, including a highly-competitive total compensation and benefits package, with market-driven base compensation, annual incentive program, flexible work arrangements, competitive health benefits, 401(k) plan with matching company contributions, cash balance pension plan, tuition reimbursement, matching charitable contributions, and work/life benefits such as on-site child care, fitness center dues benefit, and counseling and referral services.

If you are up to the challenge of working for an industry leader with a clear business vision and strategy, visit the John Hancock website www.jhancock.com/jobs.

We are committed to diversity and equal opportunity.

* New York Times 12/13/99