<SEC-DOCUMENT>0001628280-20-006485.txt : 20200506
<SEC-HEADER>0001628280-20-006485.hdr.sgml : 20200506
<ACCEPTANCE-DATETIME>20200505173636
ACCESSION NUMBER:		0001628280-20-006485
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20200331
FILED AS OF DATE:		20200506
DATE AS OF CHANGE:		20200505

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SUN LIFE FINANCIAL INC
		CENTRAL INDEX KEY:			0001097362
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			Z4
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15014
		FILM NUMBER:		20850336

	BUSINESS ADDRESS:	
		STREET 1:		SUN LIFE ASSURANCE CO OF CANADA
		STREET 2:		ONE YORK STREET
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M5J 0B6
		BUSINESS PHONE:		4169794800

	MAIL ADDRESS:	
		STREET 1:		SUN LIFE ASSURANCE CO OF CANADA
		STREET 2:		ONE YORK STREET
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M5J 0B6

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SUN LIFE FINANCIAL SERVICES INC
		DATE OF NAME CHANGE:	20030702

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SUN LIFE FINANCIAL SERVICES OF CANADA INC
		DATE OF NAME CHANGE:	20000224
</SEC-HEADER>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
<FILENAME>q12020form6-kwrap1enr.htm
<DESCRIPTION>6-K
<TEXT>
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<div><a name="s9BB3B367E2F5599296ECD7B3C185AE8A"></a></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:24%;"></td><td style="width:23%;"></td><td style="width:23%;"></td><td style="width:23%;"></td><td style="width:7%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;text-indent:336px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">UNITED STATES</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">SECURITIES AND EXCHANGE COMMISSION</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Washington, D.C. 20549</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;font-weight:bold;">FORM 6-K</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Report of Foreign Private Issuer</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Pursuant to Rule 13a-16 or 15d-16</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">under the Securities Exchange Act of</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">1934</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">For the month of May, 2020</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Commission File Number:</font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">001-15014</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;font-weight:bold;">SUN LIFE FINANCIAL INC.</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(the &#8220;Company&#8221;)</font></div><div style="line-height:120%;text-align:left;text-indent:768px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:24%;"></td><td style="width:23%;"></td><td style="width:23%;"></td><td style="width:23%;"></td><td style="width:7%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">(Translation of registrant&#8217;s name into English)</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:14pt;"><font style="font-family:inherit;font-size:14pt;font-style:italic;font-weight:bold;">1 York Street, 31</font><font style="font-family:inherit;font-size:14pt;font-style:italic;font-weight:bold;"><sup style="vertical-align:top;line-height:120%;font-size:8pt">st</sup></font><font style="font-family:inherit;font-size:14pt;font-style:italic;font-weight:bold;">&#32;Floor, Toronto, Ontario M5J 0B6</font></div><div style="line-height:120%;text-align:left;text-indent:576px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:24%;"></td><td style="width:23%;"></td><td style="width:23%;"></td><td style="width:23%;"></td><td style="width:7%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:center;text-indent:240px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"></font><font style="font-family:inherit;font-size:10pt;font-style:italic;">(Address of principal executive offices)</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Indicate by check mark whether the registrant files or will file annual reports under cover Form 20-F or Form 40-F.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Form 20-F&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Form 40-F&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">X</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1): ____</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7): ____</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:576px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:24%;"></td><td style="width:23%;"></td><td style="width:23%;"></td><td style="width:23%;"></td><td style="width:7%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Exhibit</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:72px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><a style="font-family:inherit;font-size:10pt;" href="q12020slfenr.htm"><font style="font-family:inherit;font-size:10pt;">99.1</font></a></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Press Release dated </font><font style="font-family:inherit;font-size:10pt;">May&#160;5, 2020</font><font style="font-family:inherit;font-size:10pt;">&#32;&#8211; Sun Life Reports First Quarter 2020 Results</font></div></td></tr></table><div><br></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">SIGNATURE</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pursuant to the requirement of the </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Securities Exchange Act of 1934</font><font style="font-family:inherit;font-size:10pt;">, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:288px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;"></font><font style="font-family:inherit;font-size:12pt;font-style:italic;font-weight:bold;">Sun Life Financial Inc.</font></div><div style="line-height:120%;text-align:left;text-indent:288px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(Registrant)</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Date:  May 5, 2020&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;By&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">/s/ &#8220;</font><font style="font-family:inherit;font-size:10pt;font-style:italic;text-decoration:underline;">Tracie Allan</font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">&#8221;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:left;text-indent:336px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Tracie Allan</font></div><div style="line-height:120%;text-align:left;padding-left:336px;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Assistant Vice-President &amp; Managing Counsel</font></div><div><br></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Exhibit 99.1</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div>	</div></body>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>q12020slfenr.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
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<div><a name="sf82d160e89264f72af5564c8b9d5ede0"></a></div><div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-top:0px;text-align:left;"><img src="newreleasebannerenglish.jpg" alt="newreleasebannerenglish.jpg" style="height:137px;width:816px;"></div><div><a name="sc518e01cdf5f490bb538c745ed4c1859"></a></div><div style="line-height:120%;padding-top:0px;text-align:center;padding-left:0px;font-size:15pt;"><font style="font-family:Calibri,sans-serif;font-size:15pt;color:#000000;font-style:normal;font-weight:bold;text-decoration:none;">Sun Life Reports First Quarter 2020 Results </font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Sun Life Financial Inc. ("SLF Inc."), its subsidiaries and, where applicable, its joint ventures and associates are collectively referred to as &#8220;the Company&#8221;, &#8220;Sun Life&#8221;, &#8220;we&#8221;, &#8220;our&#8221;, and &#8220;us&#8221;. We manage our operations and report our financial results in five business segments: Canada, United States (&#8220;U.S.&#8221;), Asset Management, Asia, and Corporate. The information in this document is based on the unaudited interim financial results of SLF Inc. for the period ended </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">March&#160;31, 2020</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#32;and should be read in conjunction with the interim management's discussion and analysis ("MD&amp;A") and our unaudited interim consolidated financial statements and accompanying notes ("Interim Consolidated Financial Statements") for the period ended </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">March&#160;31, 2020</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">, prepared in accordance with International Financial Reporting Standards ("IFRS"), which are available on </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;text-decoration:underline;">www.sunlife.com</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#32;under Investors &#8211; Financial results and reports. Additional information relating to SLF Inc. is available on the SEDAR website at </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;text-decoration:underline;">www.sedar.com</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#32;and on the U.S. Securities and Exchange Commission's website at </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;text-decoration:underline;">www.sec.gov</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">. Unless otherwise noted, all amounts are in Canadian dollars.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">TORONTO, ON - (</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">May&#160;5, 2020</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">) - </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Sun Life Financial Inc.</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt"> </sup></font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">(TSX: SLF) (NYSE: SLF) today announced its results for the </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">first</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;quarter ended </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">March&#160;31, 2020</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">. </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">First</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;quarter reported net income was </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">$391 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;and underlying net income</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;was </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">$770 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">.</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:517px;border-collapse:collapse;text-align:left;"><tr><td colspan="6"></td></tr><tr><td style="width:24px;"></td><td style="width:360px;"></td><td style="width:58px;"></td><td style="width:8px;"></td><td style="width:58px;"></td><td style="width:8px;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="4" style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Quarterly results</font></div></td></tr><tr><td colspan="2" style="vertical-align:middle;border-bottom:1px solid #000000;background-color:#e2e2e2;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">Profitability</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#e2e2e2;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">Q1'20</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#e2e2e2;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#e2e2e2;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Q1'19</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#e2e2e2;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Reported net income ($ millions)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">391</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">623</font></div></td><td style="vertical-align:bottom;border-right:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Underlying net income</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#160;($ millions)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">770</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">717</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Reported EPS ($)</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(2)</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">0.67</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">1.04</font></div></td><td style="vertical-align:bottom;border-right:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Underlying EPS ($)</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)(2)</sup></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">1.31</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">1.20</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Reported return on equity ("ROE")</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">7.2</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">11.5</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Underlying ROE</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">14.2</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">13.3</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">%</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td colspan="2" style="vertical-align:middle;border-bottom:1px solid #000000;background-color:#e2e2e2;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">Growth</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;background-color:#e2e2e2;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">Q1'20</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#e2e2e2;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;background-color:#e2e2e2;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Q1'19</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#e2e2e2;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Insurance sales ($ millions)</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">776</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">780</font></div></td><td style="vertical-align:bottom;border-right:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Wealth sales ($ millions)</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">59,904</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">35,993</font></div></td><td style="vertical-align:bottom;border-right:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Value of new business ("VNB")</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">&#160;</sup></font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">($ millions)</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">380</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">382</font></div></td><td style="vertical-align:bottom;border-right:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Assets under management ("AUM")</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">&#160;</sup></font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">($ billions)</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">1,023</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">1,011</font></div></td><td style="vertical-align:bottom;border-right:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td colspan="2" style="vertical-align:middle;border-bottom:1px solid #000000;background-color:#e2e2e2;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">Financial Strength</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#e2e2e2;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">Q1'20</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#e2e2e2;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#e2e2e2;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Q4'19</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#e2e2e2;border-right:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">LICAT ratios (at period end)</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(3)</sup></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-right:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#160;Sun Life Financial Inc.</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">143</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">143</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#160;Sun Life Assurance</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(4)</sup></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">130</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">%</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">130</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">%</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Financial leverage ratio (at period end)</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1) </sup></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">20.7</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">%</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">21.2</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">%</font></div></td></tr></table></div></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">"The COVID-19 pandemic has rapidly created severe global stress, and the collective response has been extraordinary,"&#160;said Dean Connor, President and CEO of Sun Life. "We owe our sincere thanks to our front-line medical workers, first responders and essential service workers, as well as governments and central banks around the world who have responded so quickly. Our hearts go out to those who have been personally affected by COVID-19."</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">"At Sun Life, our first reflex has been to help our Clients and communities, especially in their time of need.&#160;We&#8217;ve done that by accelerating claim payments, extending coverage, including virtual health care, accepting longer grace periods for premium payments, waiving waiting periods, special philanthropic gifts and a number of other actions. We quickly mobilized our employees and advisors around the world to work from home, and they have been doing a stellar job serving Clients and providing the support they need."</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">"Our reported net income for the quarter of $391 million was impacted by market declines, brought on by the COVID-19 pandemic," said Connor. "Our underlying net income for the first quarter was $770 million, up 7% from the prior year. While it&#8217;s difficult to determine today how the business will be impacted by future claims and investment experience, we entered the second quarter in a position of strength, with a strong balance sheet, and well-capitalized with a LICAT ratio of 143%.&#8221;</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-bottom:0px;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:683px;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:48px;"></td><td style="width:101px;"></td><td style="width:98px;"></td><td style="width:100px;"></td><td style="width:334px;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><table cellpadding="0" cellspacing="0" style="padding-bottom:0px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:12px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">&#32;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">Represents a non-IFRS financial measure. See the </font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">Non-IFRS Financial Measures</font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">&#32;section in this document and in our interim MD&amp;A for the period ended </font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">March&#160;31, 2020</font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">&#32;("</font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">Q1 2020</font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">&#32;MD&amp;A").</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:0px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:12px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(2)</sup></font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">&#32;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">All earnings per share ("EPS") measures refer to fully diluted EPS, unless otherwise stated.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:0px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:12px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(3)</sup></font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">&#32;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">For further information on the Life Insurance Capital Adequacy Test ("LICAT"), see section </font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">E - Financial Strength</font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">&#32;in our Q1 2020 MD&amp;A.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:0px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:12px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(4)</sup></font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">&#32;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">Sun Life Assurance Company of Canada ("Sun Life Assurance") is SLF Inc.&#8217;s principal operating life insurance subsidiary.</font></div></td></tr></table><div><br></div><div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:0px;text-align:left;text-indent:96px;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"></font><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;                                          </font><font style="font-family:Calibri,sans-serif;font-size:7pt;color:#828282;font-style:normal;font-weight:normal;text-decoration:none;">EARNINGS NEWS RELEASE</font><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">&#32;&#32;&#32;&#32;&#32;&#32;&#160;&#160;&#160;&#160;  &#160;&#160;&#160;&#160;            Sun Life Financial Inc.     First Quarter 2020  </font><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">1</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-bottom:4px;padding-top:11px;text-align:start;padding-left:0px;text-indent:0px;font-size:13pt;"><font style="font-family:Calibri,sans-serif;font-size:13pt;color:#000000;font-style:normal;font-weight:bold;text-decoration:none;">Financial and Operational Highlights - Quarterly Comparison (Q1 2020 vs. Q1 2019)</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Our strategy is focused on four key pillars of growth, where we aim to be a leader in the markets in which we operate, with our continued progress detailed below. </font></div><div style="line-height:120%;padding-bottom:0px;text-align:left;padding-left:0px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:685px;border-collapse:collapse;text-align:left;"><tr><td colspan="13"></td></tr><tr><td style="width:129px;"></td><td style="width:46px;"></td><td style="width:46px;"></td><td style="width:46px;"></td><td style="width:45px;"></td><td style="width:46px;"></td><td style="width:46px;"></td><td style="width:44px;"></td><td style="width:45px;"></td><td style="width:46px;"></td><td style="width:46px;"></td><td style="width:45px;"></td><td style="width:48px;"></td></tr><tr><td colspan="13" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">($ millions, unless otherwise noted)</font></div><div style="font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#dddddd;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#dddddd;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;font-weight:bold;color:#000000;">Reported </font></div><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;font-weight:bold;color:#000000;">net income (loss)</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#dddddd;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;font-weight:bold;color:#000000;">Underlying </font></div><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;font-weight:bold;color:#000000;">net income (loss)</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;font-weight:bold;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#dddddd;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;font-weight:bold;color:#000000;">Insurance</font></div><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;font-weight:bold;color:#000000;">sales</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;font-weight:bold;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#dddddd;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;font-weight:bold;color:#000000;">Wealth </font></div><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;font-weight:bold;color:#000000;">sales</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;font-weight:bold;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">Q1'20</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Q1'19</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">change</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">Q1'20</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Q1'19</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">change</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">Q1'20</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Q1'19</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">change</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">Q1'20</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Q1'19</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">change</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Canada</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">(42)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">237</font></div></td><td style="vertical-align:bottom;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">nm</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(2)</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">256</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">237</font></div></td><td style="vertical-align:bottom;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">8%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">295</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">362</font></div></td><td style="vertical-align:bottom;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">(19)%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">5,629</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2,825</font></div></td><td style="vertical-align:bottom;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">99%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">U.S.</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">164</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">124</font></div></td><td style="vertical-align:bottom;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">32%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">161</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">150</font></div></td><td style="vertical-align:bottom;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">7%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">163</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">160</font></div></td><td style="vertical-align:bottom;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">&#8212;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#8212;</font></div></td><td style="vertical-align:bottom;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#8212;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Asset Management</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">239</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">219</font></div></td><td style="vertical-align:bottom;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">9%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">242</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">227</font></div></td><td style="vertical-align:bottom;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">7%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">&#8212;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#8212;</font></div></td><td style="vertical-align:bottom;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#8212;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">51,954</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">31,287</font></div></td><td style="vertical-align:bottom;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">66%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Asia</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">100</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">80</font></div></td><td style="vertical-align:bottom;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">25%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">155</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">122</font></div></td><td style="vertical-align:bottom;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">27%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">318</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">258</font></div></td><td style="vertical-align:bottom;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">23%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">2,321</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">1,881</font></div></td><td style="vertical-align:bottom;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">23%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Corporate</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">(70)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">(37)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">nm</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(2)</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">(44)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">(19)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">nm</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(2)</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">&#8212;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#8212;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#8212;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">&#8212;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#8212;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#8212;</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">391</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">623</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">(37)%</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">770</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">717</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">7%</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">776</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">780</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">(1)%</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">59,904</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">35,993</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#eceaf8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #828282;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">66%</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:0px;text-align:left;padding-left:12px;text-indent:-12px;font-size:8pt;"><font style="font-family:Calibri,sans-serif;font-size:8pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="padding-bottom:0px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:12px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1) </sup>&#160;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">Represents a non-IFRS financial measure. See the </font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">Non-IFRS Financial Measures</font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">&#32;section in this document and in our </font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">Q1 2020</font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">&#32;MD&amp;A.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:0px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:12px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(2) </sup>&#160;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">Not meaningful.</font></div></td></tr></table><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Reported net income was </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$391 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in the </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">first</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;quarter of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2020</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, a decrease of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$232 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;or </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">37%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;compared to the same period in </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2019</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">reflecting unfavourable market-related and </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">assumption changes and management actions (&#8220;ACMA&#8221;)</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;impacts and higher acquisition, integration and restructuring costs, partially offset by favourable fair value adjustments on MFS's</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;share-based payment awards. Market-related impacts predominantly reflected the decline in equity markets, partially offset by the impact of credit spreads</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">. Underlying net income was </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$770 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, an increase of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$53 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;or </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">7%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">driven by higher investing activity in Canada and the U.S., business growth, higher </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">available-for-sale (&#8220;AFS&#8221;) </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">gains, higher new business gains and improved credit experience compared to the first quarter of 2019. These were partially offset by lower net investment returns on surplus in Canada and Corporate, unfavourable expense and mortality experience, less favourable morbidity experience and unfavourable other experience. Refer to the </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:normal;">Non-IFRS Financial Measures</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;section in this document for a reconciliation between reported net income and underlying net income.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Reported ROE was </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">7.2%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in the </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">first</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;quarter of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2020</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">. Underlying ROE</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt"> </sup></font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">was </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">14.2%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, compared to </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">13.3%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in the </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">first</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;quarter of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2019</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">reflecting higher underlying net income. Total shareholders' equity remained flat as increases from earnings were offset by dividend distributions, the impact of the BGO acquisition</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(2)</sup></font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;and share repurchases.</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">SLF Inc. and its wholly-owned holding companies ended the quarter with </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">$2.4 billion</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in cash and other liquid assets. </font></div><div><a name="s6a2581af592d4a5e9a4bf9e52d82200c"></a></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-bottom:4px;padding-top:0px;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;color:#000000;font-style:normal;font-weight:bold;text-decoration:none;">A leader in insurance and wealth solutions in our Canadian Home Market</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Canada&#8217;s reported net </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">loss</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;was </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$42 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in the first quarter of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2020</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">,</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;compared to reported net income of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">$237 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in the same period in </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2019</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">reflecting unfavourable market-related and ACMA impacts. Market-related impacts predominantly reflected the decline in equity markets, partially offset by the impacts of credit and swap spreads, and pertain to long duration insurance contracts and retail segregated funds.</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;Underlying net income was </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$256 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">an increase of</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$19 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;or </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">8%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">driven by business growth and investment-related contributions, partially offset by unfavourable expense and morbidity experience in Group Benefits (&#8220;GB&#8221;). Investment-related contributions included higher investing activity of $38&#160;million and higher AFS gains of $21 million, partially offset by lower net investment returns on surplus of $39 million, which reflected foreign exchange losses on economic hedges, the impacts of seed investment returns due to the widening of credit spreads, and other smaller items.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Canada insurance sales were </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;vertical-align:bottom;">$295 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in the first quarter of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2020</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:center;vertical-align:bottom;">a decrease of</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;vertical-align:bottom;">$67 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;or </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;vertical-align:bottom;">19%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;compared to the same period in </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;vertical-align:bottom;">2019</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, reflecting </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">lower large case sales</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in GB and </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">lower life insurance sales</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in Individual Insurance. Wealth sales were </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">$5.6 billion</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:center;vertical-align:bottom;">an increase of</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$2.8&#160;billion</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, driven by </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">higher retained sales in the large case market</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in Group Retirement Services ("GRS") and </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">strong sales</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in Individual Wealth.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">We continue to put the Client at the centre, including assisting those experiencing financial hardship during the COVID-19 pandemic by extending the option to defer their premiums for a period of time. Additionally, we continue to shape the Canadian market by bringing innovative digital and health solutions to our Clients. We have rolled out virtual health care services through Lumino Health to </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">our</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;GB Clients, which will support Clients through the global health crisis, helping to relieve some of their stress, support social distancing efforts across the country and alleviate the load on Canada&#8217;s emergency health care system.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:683px;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:48px;"></td><td style="width:101px;"></td><td style="width:98px;"></td><td style="width:100px;"></td><td style="width:334px;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><table cellpadding="0" cellspacing="0" style="padding-bottom:0px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:12px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">&#32;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">MFS Investment Management ("MFS").</font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;"><sup style="vertical-align:top;line-height:120%;font-size:pt"> </sup>&#160;</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:0px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:12px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(2)</sup></font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">&#32;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">Our acquisition of a majority stake in BentallGreenOak ("BGO acquisition") that closed in 2019. Upon acquisition, total equity was reduced by $860 million, primarily driven by the establishment of financial liabilities associated with the anticipated increase of our future ownership in BentallGreenOak.</font></div></td></tr></table><div><br></div><div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-bottom:0px;padding-top:0px;text-align:left;padding-left:0px;text-indent:0px;font-size:7pt;"><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">2</font><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">&#32;&#32;&#32;&#32;&#32;Sun Life Financial Inc.     First Quarter 2020&#160;&#160;&#160;&#160;   &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;               </font><font style="font-family:Calibri,sans-serif;font-size:7pt;color:#828282;font-style:normal;font-weight:normal;text-decoration:none;">EARNINGS NEWS RELEASE</font></div></div><hr style="page-break-after:always"><div><a name="s64dc34b59d504780b5efbd6e1333f8e7"></a></div><div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-bottom:4px;padding-top:0px;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;color:#000000;font-style:normal;font-weight:bold;text-decoration:none;">A leader in U.S. group benefits</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">U.S.'s reported net income was </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">$164 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">an increase of</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$40 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;or </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">32%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in the </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">first</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;quarter of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2020</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;compared to the same period in </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2019</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">driven by favourable market-related impacts, predominantly from credit spreads, partially offset by unfavourable ACMA impacts, both of which pertain to In-force Management</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">. Underlying net income was </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$161 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">an increase of</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$11 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;or </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">7%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">driven by higher investing activity, higher AFS gains and new business gains, partially offset by unfavourable mortality experience and less favourable, but still positive, morbidity experience compared to elevated favourable morbidity experience in the first quarter of 2019</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">. The after-tax profit margin for Group Benefits</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;was </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">6.8%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;as of the </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">first</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;quarter of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2020</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, compared to </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">7.9%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;as of the </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">first</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;quarter of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2019</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">U.S. Group Benefits sales were US</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$122 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in the </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">first</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;quarter of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2020</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:center;vertical-align:bottom;">an increase of</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;US</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$2 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;or </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">2%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, compared to the same period in </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2019</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">driven by increased employee benefits sales, largely offset by lower medical stop-loss sales.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">To assist our Clients during the pandemic, we have expanded options to help members who have been temporarily laid off keep their benefits coverage, added coverage for COVID-19 to our critical illness policies, provided extra time for Clients to make premium payments, offered flexibility to self-funded employers to change their underlying health plans without affecting their stop-loss protection or rates, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">and provided </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">a series of webinars with insights and analysis on new and rapidly changing federal and state laws. Throughout this, we also made it easier for Clients to interact with us virtually through our enhanced digital capabilities,</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;including online disability claims submission with e-signatures.</font></div><div><a name="se846a96b30264c23a785c35f2c0bd30a"></a></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-bottom:4px;padding-top:0px;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;color:#000000;font-style:normal;font-weight:bold;text-decoration:none;">A leader in Global Asset Management</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Asset Management&#8217;s reported net income was </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">$239 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">an increase of</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$20 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;or </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">9%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in the </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">first</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;quarter of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2020</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;compared to the same period in </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2019</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, driven by favourable fair value adjustments on </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">MFS's</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;share-based payment awards, partially offset by higher acquisition and integration costs related to the BGO acquisition and the pending InfraRed transaction</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(2)</sup></font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">. Underlying net income was </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">$242 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">an increase of</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$15&#160;million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;or </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">7%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">driven by higher average net assets ("ANA") in MFS and higher income in SLC Management driven by the BGO acquisition that closed in 2019, partially offset by a change in net investment returns of $31 million in MFS, due to declines in equity markets and widening of credit spreads.</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;The pre-tax net operating profit margin ratio for MFS</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;for the </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">first</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;quarter of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2020</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;was</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt"> </sup></font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">36%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, compared to </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">38%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in the same period in </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2019</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Asset Management ended the </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">first</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;quarter with </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">$702.9 billion</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in AUM, consisting of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">$613.5 billion</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;(US</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">$436.4 billion</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">) in MFS and </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">$89.4&#160;billion</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in SLC Management. MFS reported net </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">inflows</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$2.4 billion</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;(US</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$1.8 billion</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">), </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">including U.S. retail net inflows for the fifth consecutive quarter.</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;SLC Management reported net outflows of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">$2.0 billion</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in the first quarter of 2020. </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Net outflows are comprised of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">$1.0 billion of Client distributions due to the profitable sale of underlying assets in a closed-end fund, and flows relating to Client rebalancing. </font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">MFS continued to rank in the top ten in the Barron's Fund Family Rankings. This year marks the 11th time in 12 years that MFS has ranked high in the top 10 for both ten-year and five-year firm-wide performance categories. </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">In the </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">first</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;quarter of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2020</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, 88%, 90% and 87% of MFS&#8217;s U.S. retail mutual fund assets ranked in the top half of their Lipper categories based on ten-, five- and three-year performance, respectively.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">In the COVID-19 pandemic environment, Asset Management has seamlessly transitioned with a portfolio of digital and virtual tools, including additional communications to share our perspectives on markets and how we are positioning our portfolios, which have been embraced by our Clients. We donated personal protective equipment to Boston area hospitals, as well as significant funds to COVID-19 related causes globally, through both direct giving and employee matching programs.&#160;  </font></div><div><a name="s6be5dbf32499413fa406b04b14023024"></a></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-bottom:4px;padding-top:0px;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;color:#000000;font-style:normal;font-weight:bold;text-decoration:none;">A leader in Asia through distribution excellence in higher growth markets </font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Asia&#8217;s reported net income was </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$100 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in the </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">first</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;quarter of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2020</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">an increase of</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$20 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;or </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">25%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;compared to the same period in </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2019</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">reflecting growth in underlying net income, as noted below, partially offset by unfavourable ACMA impacts. Market-related impacts were in line with the same period last year in aggregate, as the decline in equity markets was substantially offset by the impacts of credit spreads and interest rate changes.</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;Underlying net income was </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$155 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">an increase of</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$33 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;or </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">27%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, driven by favourable credit experience, new business gains primarily in International and Hong Kong, and improved mortality experience, partially offset by other experience from our joint ventures.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Asia insurance sales were </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$318 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">in the </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">first</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;quarter of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2020</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:center;vertical-align:bottom;">an increase of</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$60 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;or </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">23%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;compared to the same period in </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2019</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">driven by Hong Kong, International and the Philippines, partially offset by lower sales in India.</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;Asia wealth sales were </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$2.3 billion</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:center;vertical-align:bottom;">an increase of</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">$440 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;or </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-align:right;vertical-align:bottom;">23%</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">driven by money market sales in the Philippines and the pension business in Hong Kong, partially offset by lower mutual fund sales in India due to weak market sentiments.</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">We also continued to expand our distribution capabilities across Asia&#8217;s fastest growing markets. In Vietnam, our exclusive bancassurance partnership with </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">TPBank</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(3)</sup></font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;was launched, with strong sales throughout the start of the year. </font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">During the quarter, reflecting the impact of the COVID-19 pandemic, we stepped up our support to help our Clients in a variety of ways, including extending coverage to include more hospitals and clinics, extending benefit limits and offering additional cash benefits to cover hospital expenses, expediting claims, waiving waiting periods, and offering continuation of coverage for lapsed policies due to quarantine or hospitalization.&#160;To ensure that we can continue to meet the needs of new and existing Clients, we are also working with regulators to roll out the digitalization of the end-to-end sales process across markets, including the use of e-signatures. </font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:683px;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:48px;"></td><td style="width:101px;"></td><td style="width:98px;"></td><td style="width:100px;"></td><td style="width:334px;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><table cellpadding="0" cellspacing="0" style="padding-bottom:0px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:12px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup>&#160;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">Represents a non-IFRS financial measure. See the </font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">Non-IFRS Financial Measures</font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">&#32;section in this document and in our Q1 2020 MD&amp;A.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:0px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:12px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(2)</sup>&#160;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">Our intention to acquire a majority stake in InfraRed Capital Partners ("pending InfraRed transaction").</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:0px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:12px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(3)</sup>&#160;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">Tien Phong Commercial Bank ("TP Bank").</font></div></td></tr></table><div><br></div><div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:0px;text-align:left;text-indent:96px;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"></font><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;                                          </font><font style="font-family:Calibri,sans-serif;font-size:7pt;color:#828282;font-style:normal;font-weight:normal;text-decoration:none;">EARNINGS NEWS RELEASE</font><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">&#32;&#32;&#32;&#32;&#32;&#32;&#160;&#160;&#160;&#160;  &#160;&#160;&#160;&#160;            Sun Life Financial Inc.     First Quarter 2020  </font><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">3</font></div></div><hr style="page-break-after:always"><div><a name="sc7640f28138640178d3fa1f32b4ba679"></a></div><div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-bottom:4px;padding-top:0px;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;color:#000000;font-style:normal;font-weight:bold;text-decoration:none;">Corporate</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Corporate's reported net </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">loss</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;was </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">$70 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;in the </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">first</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;quarter of </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2020</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">an increased loss of</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">$33 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;compared to the same period in </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2019</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">reflecting restructuring costs related to severance costs as a result of various ongoing projects initiated in the fourth quarter of 2019 to simplify our organizational structure and drive efficiencies.</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;Underlying net </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">loss</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;was </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">$44 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">an increased loss of</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">$25 million</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">reflecting lower net investment returns on surplus, predominantly from seed investment losses of $21 million due to widening of credit spreads. Unfavourable expense and other experience were largely offset by higher earnings from the run-off businesses</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-bottom:4px;padding-top:0px;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;color:#000000;font-style:normal;font-weight:bold;text-decoration:none;">COVID-19 Pandemic Update</font><font style="font-family:Calibri,sans-serif;font-size:11pt;color:#000000;font-style:normal;font-weight:bold;text-decoration:none;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup>&#160;</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">On March 11, 2020, the World Health Organization declared the outbreak of COVID-19 as a global pandemic. This has resulted in the loss of lives, impacts on disability, pressure on health care systems, restrictions in travel, quarantines and restrictions on gatherings of people, closure of businesses, higher unemployment, supply chain disruptions, increased volatility and declines in financial markets, and widespread uncertainty.  </font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:Calibri,sans-serif;font-size:6pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">We have adjusted our operations across each of our businesses to provide extra support for COVID-19 related business matters. We are proactively communicating with our Clients on the special measures we are taking to aid them through this difficult time. Our actions are personal and include extension of premium payment grace periods, extended coverage, and simplified and speedy claim commitments. In certain jurisdictions, we are also offering premium reductions to group benefit sponsors and providing more flexibility for those struggling to meet loan or mortgage payments. For our advisors, we have enhanced our digital distribution </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;">and communication to</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">ols to support them through this period, as well as helped with added costs. For our borrowers and real estate tenants, on a case by case basis, we have granted interest, principal and rent payment deferrals.</font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:Calibri,sans-serif;font-size:6pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Our business continuity processes are designed to ensure that key business functions and normal operations can resume effectively and efficiently in the event of a disruption. 95% of our employees are working from home, while colleagues in Hong Kong, Vietnam and from our joint venture in China have begun returning to offices on a gradual basis. We have processes in place to monitor and maintain ongoing systems availability, stability, and security. </font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:Calibri,sans-serif;font-size:6pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">In response to the disruptions brought on by the COVID-19 pandemic and current market conditions, the Office of the Superintendent of Financial Institutions ("OSFI") and the Bank of Canada ("BoC") have taken measures to provide relief to financial institutions. For insurers, key measures from OSFI included capital relief relating to certain payment deferrals granted and the introduction of a smoothing technique on interest rate risk requirements. They also have </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">set the expectation for all federally regulated financial institutions that dividend increases and share buybacks should be halted for the time being.</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;In addition, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">the Bank of Canada recently expanded various programs, including its term repurchase facilities, to increase access to liquidity for financial institutions including insurance companies. </font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:Calibri,sans-serif;font-size:6pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Our communities are vital and we have been taking actions to support them. For example, we have donated 600,000 surgical masks to hospitals and donated more than $2 million to support communities impacted by the COVID-19 pandemic. Across Asia, we have donated to food banks and provided hand sanitizer to various communities, while digital life insurance coverage was donated in the Philippines and China to doctors, nurses, and other medical support staff as a way of saying thank you for their efforts to stop the spread of COVID-19.  </font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:Calibri,sans-serif;font-size:6pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Notwithstanding market effects on our reported net income in the first quarter of 2020, COVID-19 impacts on our underlying net income and other financial metrics, including sales, claims and benefits, premiums and fee income, were not significant.&#160;</font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:Calibri,sans-serif;font-size:6pt;">&#160;</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Throughout April, we have been able to continue sales activities using digital tools and processes. In the month of April, regional sales were mixed with total individual insurance and wealth sales at approximately 80% and 90%, respectively, of the prior year. We saw some markets growing as the result of digital tools, pre-existing sales pipelines, re-pricing and return to office efforts in some markets and some seeing significant declines from strict quarantine protocols impacting face-to-face and bancassurance sales. As a result of the mixed experience and uncertain return to office time frames and economic conditions, Q2 sales levels remain uncertain at this time. </font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:Calibri,sans-serif;font-size:6pt;">&#160;</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Our Group Benefit and Group Pension businesses cover employees in the worksite, and to the extent their employment is terminated and not replaced it means the premium and assets in force would decline over time, all things being equal. In April, the premium volumes and assets in force were relatively unchanged from the end of the first quarter.  </font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:Calibri,sans-serif;font-size:6pt;">&#160;</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">To date, our mortality and morbidity claims experience from COVID-19 has been small amounting to less than 5% of our monthly average for mortality and disability claims paid. Some of the additional COVID-19 claims have been offset by lower claims experience in other areas. Q2 experience remains uncertain and will be impacted by these jurisdictions and industries where we do business and the success jurisdictions have in reducing the spread of the virus. </font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:Calibri,sans-serif;font-size:6pt;">&#160;</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">To support our Clients who may be facing financial hardships, we have extended grace periods for premium payment for individual insurance and group benefits Clients of up to 90 days. Given the recently announced extensions, the impact to premium receivables is not yet significant. Should we experience a prolonged period of non-payment, we may see a change in lapses and other policyholder behaviour.  </font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:Calibri,sans-serif;font-size:6pt;">&#160;&#160;</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Similarly, for our borrowers and real estate tenants, we have granted interest, principal and rent payment deferrals, on a case by case basis, with the majority of the deferral being up to 3 months. </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">During the month of April, we have granted payments deferrals of just less than $15 million with additional requests currently under assessment.</font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:Calibri,sans-serif;font-size:6pt;">&#160;&#160;</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">The month of April saw MFS AUM grow 8.0% to US$471 billion reflecting market growth, fund performance and flows. </font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:Calibri,sans-serif;font-size:6pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">The overall impact of the COVID-19 pandemic is still uncertain and dependent on the progression of the virus and on actions taken by governments, businesses and individuals, which could vary by country and result in differing outcomes. Given the extent of the circumstances, it is difficult to reliably measure or predict the potential impact of this uncertainty on our future financial results. For additional information, please refer to section H - Risk Management in our Q1 2020 MD&amp;A.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:683px;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:48px;"></td><td style="width:101px;"></td><td style="width:98px;"></td><td style="width:100px;"></td><td style="width:334px;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><table cellpadding="0" cellspacing="0" style="padding-bottom:0px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:12px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:8pt;padding-left:0px;"><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font><font style="font-family:Calibri,sans-serif;font-size:8pt;color:#000000;font-style:normal;font-weight:normal;text-decoration:none;">&#32;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:Calibri,sans-serif;font-size:7pt;">Information relating to April 2020 financial metrics, including but not limited to, sales, claims and benefits, premiums and fee income is not indicative of future results. Future results, including for the remainder of the second quarter 2020, may differ materially from the information presented in this section.  The Company does not undertake any obligation to provide information on a monthly basis in the future or to update this information to reflect events or circumstances after the date of this document, except as required by applicable law.</font></div></td></tr></table><div><br></div><div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-bottom:0px;padding-top:0px;text-align:left;padding-left:0px;text-indent:0px;font-size:7pt;"><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">4</font><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">&#32;&#32;&#32;&#32;&#32;Sun Life Financial Inc.     First Quarter 2020&#160;&#160;&#160;&#160;   &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;               </font><font style="font-family:Calibri,sans-serif;font-size:7pt;color:#828282;font-style:normal;font-weight:normal;text-decoration:none;">EARNINGS NEWS RELEASE</font></div></div><hr style="page-break-after:always"><div><a name="s7d938a2de90d41e1ab55e9c52e3fe09f"></a></div><div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-top:0px;padding-left:0px;font-size:15pt;"><font style="font-family:Calibri,sans-serif;font-size:15pt;color:#000000;font-style:normal;font-weight:bold;text-decoration:none;">Earnings Conference Call</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">The Company&#8217;s </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">first</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;quarter </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">2020</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;financial results will be reviewed at a conference call on Wednesday, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">May&#160;6, 2020</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, at 10:00 a.m. ET. To listen to the call via live audio webcast and to view the presentation slides, as well as related information, please visit </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-decoration:underline;">www.sunlife.com</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;and click on the link to Quarterly reports under Investors &#8211; Financial results &amp; reports 10 minutes prior to the start of the call. Individuals participating in the call in a listen-only mode are encouraged to connect via our webcast. Following the call, the webcast and presentation will be archived and made available on the Company&#8217;s website, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-decoration:underline;">www.sunlife.com</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">, until the Q1 2022 period end. The conference call can also be accessed by phone by dialing 602-563-8756 (International) or 1-877-658-9101 (toll-free within North America) using Conference ID: 3267925. A replay of the conference call will be available from Wednesday, </font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">May&#160;6, 2020</font><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">&#32;at 1:00 p.m. ET until 1:00 p.m. ET on Wednesday, May 20, 2020 by calling 404-537-3406 or 1-855-859-2056 (toll-free within North America) using Conference ID: 3267925.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:682px;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:341px;"></td><td style="width:341px;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">Media Relations Contact:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;font-weight:bold;">Investor Relations Contact:</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Krista Wilson</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Leigh Chalmers</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Director, Corporate Communications</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Senior Vice-President, Head of Investor Relations &amp; Capital Management</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Tel: 226-751-2391</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;">Tel: 647-256-8201</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-decoration:underline;">krista.wilson@sunlife.com</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;text-decoration:underline;">investor.relations@sunlife.com</font></div></td></tr></table></div></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div><br></div><div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:0px;text-align:left;text-indent:96px;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"></font><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;                                          </font><font style="font-family:Calibri,sans-serif;font-size:7pt;color:#828282;font-style:normal;font-weight:normal;text-decoration:none;">EARNINGS NEWS RELEASE</font><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">&#32;&#32;&#32;&#32;&#32;&#32;&#160;&#160;&#160;&#160;  &#160;&#160;&#160;&#160;            Sun Life Financial Inc.     First Quarter 2020  </font><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">5</font></div></div><hr style="page-break-after:always"><div><a name="sdb172b84b29e4cc0b55961ddfa30e897"></a></div><div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">Non-IFRS Financial Measures </font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">We report certain financial information using non-IFRS financial measures, as we believe that these measures provide information that is useful to investors in understanding our performance and facilitate a comparison of our quarterly and full year results from period to period. Non-IFRS financial measures do not have any standardized meaning and may not be comparable with similar measures used by other companies. For certain non-IFRS financial measures, there are no directly comparable amounts under IFRS. Non-IFRS financial measures should not be viewed in isolation from or as alternatives to measures of financial performance determined in accordance with IFRS. Additional information concerning non-IFRS financial measures and reconciliations to the closest IFRS measures are available in the </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Q1 2020</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#32;MD&amp;A under the heading </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">M - Non-IFRS Financial Measures</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">, our annual MD&amp;A and the Supplementary Financial Information packages that are available on </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;text-decoration:underline;">www.sunlife.com</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#32;under Investors &#8211; Financial results and reports.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-style:italic;">1. Underlying Net Income and Underlying EPS</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Underlying net income (loss) and financial measures based on underlying net income (loss), including underlying EPS or underlying loss per share, and underlying ROE, are non-IFRS financial measures. Underlying net income (loss) removes from reported net income (loss) the impacts of the following items that create volatility in our results under IFRS and when removed assist in explaining our results from period to period:  </font></div><div style="line-height:120%;padding-top:0px;text-align:left;padding-left:18px;text-indent:-18px;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(a)   market-related impacts that differ from our best estimate assumptions, which include: (i) impacts of returns in equity markets, net of hedging, for which our best estimate assumptions are approximately 2% per quarter. This also includes the impact of the basis risk inherent in our hedging program, which is the difference between the return on underlying funds of products that provide benefit guarantees and the return on the derivative assets used to hedge those benefit guarantees; (ii) the impacts of changes in interest rates in the reporting period and on the value of derivative instruments used in our hedging programs including changes in credit and swap spreads, and any changes to the assumed fixed income reinvestment rates in determining the actuarial liabilities; and (iii) the impacts of changes in the fair value of investment properties in the reporting period;  </font></div><div style="line-height:120%;padding-top:0px;text-align:left;padding-left:18px;text-indent:-18px;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(b)   assumption changes and management actions, which include: (i) the impacts of revisions to the methods and assumptions used in determining our liabilities for insurance contracts and investment contracts; and (ii) the impacts on insurance contracts and investment contracts of actions taken by management in the current reporting period, referred to as management actions which include, for example, changes in the prices of in-force products, new or revised reinsurance on in-force business, and material changes to investment policies for assets supporting our liabilities; and  </font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(c)   other adjustments:  </font></div><table cellpadding="0" cellspacing="0" style="padding-top:0px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:36px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:7.5pt;padding-left:18px;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(i)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">certain hedges in Canada that do not qualify for hedge accounting - this adjustment enhances the comparability of our net income from period to period, as it reduces volatility to the extent it will be offset over the duration of the hedges;  </font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:0px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:36px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:7.5pt;padding-left:18px;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(ii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">fair value adjustments on MFS's share-based payment awards that are settled with MFS&#8217;s own shares and accounted for as liabilities and measured at fair value each reporting period until they are vested, exercised and repurchased - this adjustment enhances the comparability of MFS&#8217;s results with publicly traded asset managers in the United States;</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:0px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:36px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:7.5pt;padding-left:18px;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(iii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">acquisition, integration and restructuring costs (including impacts related to acquiring and integrating acquisitions); and </font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:0px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:36px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:7.5pt;padding-left:18px;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(iv)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">other items that are unusual or exceptional in nature.  </font></div></td></tr></table><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">All factors discussed in this document that impact our underlying net income are also applicable to reported net income.  </font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">All EPS measures in this document refer to fully diluted EPS, unless otherwise stated. As noted below, underlying EPS excludes the dilutive impacts of convertible instruments.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;"><br></font></div><div><br></div><div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-bottom:0px;padding-top:0px;text-align:left;padding-left:0px;text-indent:0px;font-size:7pt;"><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">6</font><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">&#32;&#32;&#32;&#32;&#32;Sun Life Financial Inc.     First Quarter 2020&#160;&#160;&#160;&#160;   &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;               </font><font style="font-family:Calibri,sans-serif;font-size:7pt;color:#828282;font-style:normal;font-weight:normal;text-decoration:none;">EARNINGS NEWS RELEASE</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">The following table sets out the amounts that were excluded from our underlying net income (loss) and underlying EPS, and provides a reconciliation to our reported net income (loss) and EPS based on IFRS.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:683px;border-collapse:collapse;text-align:left;"><tr><td colspan="7"></td></tr><tr><td style="width:510px;"></td><td style="width:53px;"></td><td style="width:3px;"></td><td style="width:53px;"></td><td style="width:3px;"></td><td style="width:52px;"></td><td style="width:3px;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">Reconciliations of Select Net Income Measures</font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:center;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Quarterly results</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">($ millions, unless otherwise noted)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">Q1'20</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Q4'19</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Q1'19</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Reported net income </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">391</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">719</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">623</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Market-related impacts</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Equity market impacts</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:60px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Impacts from equity market changes</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">(303</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">36</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">68</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:60px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Basis risk impacts</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">(57</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">4</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(10</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Equity market impacts</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">(360</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">40</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">58</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Interest rate impacts</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:60px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Impacts of interest rate changes</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">(87</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">18</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(122</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:60px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Impacts of credit spread movements</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">127</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#8212;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(27</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:60px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Impacts of swap spread movements </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">39</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(29</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">16</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Interest rate impacts</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">79</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(11</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(133</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Impacts of changes in the fair value of investment properties</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">(12</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(11</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">6</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#160;&#160;&#160;Less:  Market-related impacts</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">(293</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">18</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(69</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#160;&#160;&#160;Less:  Assumption changes and management actions</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">(53</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(15</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(11</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:36px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#160;&#160;&#160;Other adjustments</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:60px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Certain hedges in Canada that do not qualify for hedge accounting</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">(1</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">4</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">1</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:60px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Fair value adjustments on MFS's share-based payment awards </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">10</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(37</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(8</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:60px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Acquisition, integration and restructuring</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(2)</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">(42</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(43</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(7</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#160;&#160;&#160;Less:  Total of other adjustments</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">(33</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(76</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(14</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Underlying net income</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">770</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">792</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">717</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Reported EPS (diluted) ($)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">0.67</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">1.22</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">1.04</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Less: Market-related impacts ($)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">(0.50</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">0.03</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(0.12</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Assumption changes and management actions ($)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">(0.09</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(0.03</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(0.02</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Certain hedges in Canada that do not qualify for hedge accounting ($)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">&#8212;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">0.01</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#8212;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Fair value adjustments on MFS's share-based payment awards ($)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">0.02</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(0.06</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(0.01</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Acquisition, integration and restructuring ($)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">(0.07</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(0.07</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">(0.01</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Impact of convertible securities on diluted EPS ($)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">&#8212;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#8212;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#8212;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Underlying EPS (diluted) ($)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">1.31</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">1.34</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">1.20</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr></table></div></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="padding-top:0px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:12px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:7.5pt;padding-left:0px;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup>&#160;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Our exposure to interest rates varies by product type, line of business, and geography. Given the long-term nature of our business, we have a higher degree of sensitivity in respect of interest rates at long durations.</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#32;</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:0px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:12px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:7.5pt;padding-left:0px;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(2)</sup>&#160;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Amounts include acquisition costs for the BGO acquisition and the pending InfraRed transaction, which includes the unwinding of the discount for the Put option and Deferred payments liability of $10 million and $8 million in the first quarter of 2020 and the fourth quarter of 2019, respectively. As a result of various ongoing projects initiated in the fourth quarter of 2019 to simplify our organizational structure and drive efficiencies, we also recorded a restructuring charge of $28 million in the first quarter of 2020 and $25 million in the fourth quarter of 2019.</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#32;</font></div></td></tr></table><div style="line-height:120%;padding-top:0px;text-align:left;padding-left:12px;text-indent:-12px;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-style:italic;">2. Additional Non-IFRS Measures</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Management also uses the following non-IFRS financial measures, which are referenced in this news release:</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">Return on equity. </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">IFRS does not prescribe the calculation of ROE and therefore a comparable measure under IFRS is not available. To determine reported ROE and underlying ROE, respectively, reported net income (loss) and underlying net income (loss) is divided by the total weighted average common shareholders&#8217; equity for the period. The quarterly ROE is annualized.  </font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">Financial leverage ratio. </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">This total debt to total capital ratio is ratio of debt plus preferred shares to total capital, where debt consists of all capital qualifying debt securities. Capital qualifying debt securities consist of subordinated debt and innovative capital instruments. </font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">Sales.</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#32;In Canada, insurance sales consist of sales of individual insurance and group benefits products; wealth sales consist of sales of individual wealth products and sales in GRS. In the U.S., insurance sales consist of sales by Group Benefits. In Asia, insurance sales consist of the individual and group insurance sales by our subsidiaries and joint ventures and associates, based on our proportionate equity interest, in the Philippines, Indonesia, India, China, Malaysia and Vietnam and sales from International and Hong Kong; wealth sales consist of Hong Kong wealth sales, Philippines mutual fund sales, wealth sales by our India and China insurance joint ventures and associates, and Aditya Birla Sun Life AMC Limited's equity and fixed income mutual fund sales based on our proportionate equity interest, including sales as reported by our bank distribution partners. Asset Management sales</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;"><sup style="vertical-align:top;line-height:120%;font-size:pt"> </sup></font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">consist of gross sales (inflows) for retail and institutional Clients; unfunded commitments are not included in sales. Sales are also expressed on a constant currency basis, which is a measure of sales that provides greater comparability across reporting periods by excluding the impact of exchange rate fluctuations from the translation of functional currencies to the Canadian dollar. There is no directly comparable IFRS measure.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">Value of New Business. </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">VNB represents the present value of our best estimate of future distributable earnings, net of the cost of capital, from new business contracts written in a particular time period, except new business in our Asset Management pillar. The assumptions used in the calculations are generally consistent with those used in the valuation of our insurance contract liabilities except that discount rates used approximate theoretical return expectations of an equity investor. Capital required is based on the higher of Sun Life Assurance's LICAT operating target and local (country specific) operating target capital. VNB is a useful metric to evaluate the present value created from new business contracts. There is no directly comparable IFRS measure. </font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;"><br></font></div><div><br></div><div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:0px;text-align:left;text-indent:96px;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"></font><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;                                          </font><font style="font-family:Calibri,sans-serif;font-size:7pt;color:#828282;font-style:normal;font-weight:normal;text-decoration:none;">EARNINGS NEWS RELEASE</font><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">&#32;&#32;&#32;&#32;&#32;&#32;&#160;&#160;&#160;&#160;  &#160;&#160;&#160;&#160;            Sun Life Financial Inc.     First Quarter 2020  </font><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">7</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">Pre-tax net operating profit margin ratio for MFS. </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">This ratio is a measure of the profitability of MFS, which excludes the impact of fair value adjustments on MFS's share-based payment awards, investment income, and certain commission expenses that are offsetting. These commission expenses are excluded in order to neutralize the impact these items have on the pre-tax net operating profit margin ratio and have no impact on the profitability of MFS. There is no directly comparable IFRS measure.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">After-tax profit margin for U.S. Group Benefits. </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">This ratio assists in explaining our results from period to period and is a measure of profitability that expresses U.S. employee benefits and medical stop-loss underlying net income as a percentage of net premiums. This ratio is calculated by dividing underlying net income (loss) by net premiums for the trailing four quarters. There is no directly comparable IFRS measure.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">Forward-looking Statements</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">From time to time, the Company makes written or oral forward-looking statements within the meaning of certain securities laws, including the &#8220;safe harbour&#8221; provisions of the United States Private Securities Litigation Reform Act of 1995 and applicable Canadian securities legislation. Forward-looking statements contained in this document include statements (i) relating to our strategies, (ii) relating to our growth initiatives and other business objectives, (iii) relating to the plans we have implemented in response to the COVID-19 pandemic and related economic conditions and their impact on the Company, (iv) relating to the pending InfraRed transaction, (v) that are predictive in nature or that depend upon or refer to future events or conditions, and (vi) that include words such as &#8220;achieve&#8221;, &#8220;aim&#8221;, &#8220;ambition&#8221;, &#8220;anticipate&#8221;, &#8220;aspiration&#8221;, &#8220;assumption&#8221;, &#8220;believe&#8221;, &#8220;could&#8221;, &#8220;estimate&#8221;, &#8220;expect&#8221;, &#8220;goal&#8221;, &#8220;initiatives&#8221;, &#8220;intend&#8221;, &#8220;may&#8221;, &#8220;objective&#8221;, &#8220;outlook&#8221;, &#8220;plan&#8221;, &#8220;project&#8221;, &#8220;seek&#8221;, &#8220;should&#8221;, &#8220;strategy&#8221;, &#8220;strive&#8221;, &#8220;target&#8221;, &#8220;will&#8221;, and similar expressions. Forward-looking statements include the information concerning our possible or assumed future results of operations. These statements represent our current expectations, estimates, and projections regarding future events and are not historical facts, and remain subject to change, particularly in light of the ongoing and developing COVID-19 pandemic and its impact on the global economy and its uncertain impact on our business. Forward-looking statements are not a guarantee of future performance and involve risks and uncertainties that are difficult to predict. Future results and shareholder value may differ materially from those expressed in these forward-looking statements due to, among other factors, the impact of the COVID-19 pandemic and related economic conditions on our operations, liquidity, financial conditions or results and the matters set out in the </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Q1 2020</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#32;MD&amp;A under the headings </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">C - Profitability - 5 - Income taxes</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">, </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">E - Financial Strength</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#32;and </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">H - Risk Management</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#32;and in SLF Inc.&#8217;s </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">2019</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#32;Annual Information Form under the heading Risk Factors and the factors detailed in SLF Inc.&#8217;s other filings with Canadian and U.S. securities regulators, which are available for review at </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;text-decoration:underline;">www.sedar.com</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#32;and </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;text-decoration:underline;">www.sec.gov</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">, respectively. </font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Important risk factors that could cause our assumptions and estimates, and expectations and projections to be inaccurate and our actual results or events to differ materially from those expressed in or implied by the forward-looking statements contained in this document, are set out below. The realization of our forward-looking statements, essentially depends on our business performance which, in turn, is subject to many risks, which have been further heightened with the current COVID-19 pandemic given the uncertainty of its duration and impact. Factors that could cause actual results to differ materially from expectations include, but are not limited to:</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">&#32;market risks </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">- related to the performance of equity markets; changes or volatility in interest rates or credit spreads or swap spreads; real estate investments; and fluctuations in foreign currency exchange rates; </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">insurance risks </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">- related to policyholder behaviour; mortality experience, morbidity experience and longevity; product design and pricing; the impact of higher-than-expected future expenses; and the availability, cost and effectiveness of reinsurance;</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">&#32;credit risks</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#32;- related to issuers of securities held in our investment portfolio, debtors, structured securities, reinsurers, counterparties, other financial institutions and other entities; </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">business and strategic risks </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">- related to global economic and political conditions; the design and implementation of business strategies; changes in distribution channels or Client behaviour including risks relating to market conduct by intermediaries and agents; the impact of competition; the performance of our investments and investment portfolios managed for Clients such as segregated and mutual funds; changes in the legal or regulatory environment, including capital requirements and tax laws; the environment, environmental laws and regulations; </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">operational risks</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#32;- related to breaches or failure of information system security and privacy, including cyber-attacks; our ability to attract and retain employees; legal, regulatory compliance and market conduct, including the impact of regulatory inquiries and investigations; the execution and integration of mergers, acquisitions, strategic investments and divestitures; our information technology infrastructure; a failure of information systems and Internet-enabled technology; dependence on third-party relationships, including outsourcing arrangements; business continuity; model errors; information management; </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">liquidity risks</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#32;- the possibility that we will not be able to fund all cash outflow commitments as they fall due; and </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">other risks</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">&#32;- tax matters, including estimates and judgments used in calculating taxes; our international operations, including our joint ventures; market conditions that affect our capital position or ability to raise capital; downgrades in financial strength or credit ratings; and the impact of mergers, acquisitions and divestitures.   </font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">The following risk factors are related to our acquisition of a majority stake in InfraRed Capital Partners that could have a material adverse effect on our forward-looking statements: (1) the ability of the parties to complete the transaction; (2) failure of the parties to obtain necessary consents and approvals or to otherwise satisfy the conditions to the completion of the transaction in a timely manner, or at all; (3) our ability to realize the financial and strategic benefits of the transaction; and (4) the impact of the announcement of the transaction on Sun Life and InfraRed Capital Partners. These risks all could have an impact on our business relationships (including with future and prospective employees, Clients, distributors and partners) and could have a material adverse effect on our current and future operations, financial conditions and prospects.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">The Company does not undertake any obligation to update or revise its forward-looking statements to reflect events or circumstances after the date of this document or to reflect the occurrence of unanticipated events, except as required by law.  </font></div><div><br></div><div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-bottom:0px;padding-top:0px;text-align:left;padding-left:0px;text-indent:0px;font-size:7pt;"><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">8</font><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">&#32;&#32;&#32;&#32;&#32;Sun Life Financial Inc.     First Quarter 2020&#160;&#160;&#160;&#160;   &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;               </font><font style="font-family:Calibri,sans-serif;font-size:7pt;color:#828282;font-style:normal;font-weight:normal;text-decoration:none;">EARNINGS NEWS RELEASE</font></div></div><hr style="page-break-after:always"><div><a name="scac82694286f46e99693a63ebac70cd4"></a></div><div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;font-weight:bold;">About Sun Life</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Sun Life is a leading international financial services organization providing insurance, wealth and asset management solutions to individual and corporate Clients. Sun Life has operations in a number of markets worldwide, including Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China, Australia, Singapore, Vietnam, Malaysia and Bermuda. As of </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">March&#160;31, 2020</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">, Sun Life had total assets under management of </font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">$1,023 billion</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">. For more information please visit&#160;</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;text-decoration:underline;">www.sunlife.com</font><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;"><br></font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:7.5pt;"><font style="font-family:Calibri,sans-serif;font-size:7.5pt;color:#000000;">Sun Life Financial Inc. trades on the Toronto (TSX), New York (NYSE) and Philippine (PSE) stock exchanges under the ticker symbol SLF.</font></div><div style="line-height:120%;padding-top:0px;text-align:left;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;"><br></font></div><div><br></div><div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:0px;text-align:left;text-indent:96px;font-size:8.5pt;"><font style="font-family:Calibri,sans-serif;font-size:8.5pt;color:#000000;"></font><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;                                          </font><font style="font-family:Calibri,sans-serif;font-size:7pt;color:#828282;font-style:normal;font-weight:normal;text-decoration:none;">EARNINGS NEWS RELEASE</font><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">&#32;&#32;&#32;&#32;&#32;&#32;&#160;&#160;&#160;&#160;  &#160;&#160;&#160;&#160;            Sun Life Financial Inc.     First Quarter 2020  </font><font style="font-family:Calibri,sans-serif;font-size:7pt;font-style:normal;font-weight:normal;text-decoration:none;">9</font></div></div>	</div></body>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
