JOHN HANCOCK BK & THRIFT OPP. The Fund is a closed-end, diversified management investment company whose investment objective is long-term capital appreciation. Investment Adviser: John Hancock Advisers, Inc. Advisory Agreement: Under the terms of the agreement, the Fund pays a monthly management fee to the Adviser, for a continuous investment program, equivalent on an annual basis to 1.15% of the Fund's average weekly net asset value.