<SEC-DOCUMENT>0001086888-19-000017.txt : 20190213
<SEC-HEADER>0001086888-19-000017.hdr.sgml : 20190213
<ACCEPTANCE-DATETIME>20190213170844
ACCESSION NUMBER:		0001086888-19-000017
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		5
CONFORMED PERIOD OF REPORT:	20190213
FILED AS OF DATE:		20190213
DATE AS OF CHANGE:		20190213

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MANULIFE FINANCIAL CORP
		CENTRAL INDEX KEY:			0001086888
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				889897526
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-14942
		FILM NUMBER:		19598524

	BUSINESS ADDRESS:	
		STREET 1:		200 BLOOR ST EAST, NT-10
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M4W1E5
		BUSINESS PHONE:		416-926-3000

	MAIL ADDRESS:	
		STREET 1:		200 BLOOR ST EAST, NT-10
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M4W1E5
</SEC-HEADER>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
<FILENAME>form6-k.htm
<DESCRIPTION>FORM6-K-13FEB2019-4QNRS
<TEXT>
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      <div style="text-align: center; line-height: 15.95pt; font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 14pt; font-weight: bold;"><a name="DocsID"></a><font style="background-color: rgb(255, 255, 255); font-weight: bold;
          color: rgb(0, 0, 0); font-family: &quot;Times New Roman Bold&quot;,&quot;Times New Roman&quot;,serif; font-size: 14pt; font-style: normal; font-variant: normal; text-transform: none;">UNITED STATES</font></div>
      <div style="text-align: center; line-height: 15.95pt; background-color: rgb(255, 255, 255); font-weight: bold; color: rgb(0, 0, 0); font-family: &quot;Times New Roman Bold&quot;,&quot;Times New Roman&quot;,serif; font-size: 14pt; font-style: normal;
        font-variant: normal; text-transform: none;">SECURITIES AND EXCHANGE COMMISSION</div>
      <div style="text-align: center; line-height: 13.7pt; background-color: rgb(255, 255, 255); font-weight: bold; color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;,serif; font-size: 12pt; font-style: normal; font-variant: normal;
        text-transform: none;">Washington, D.C. 20549</div>
      <font style="font-family: 'Times New Roman', serif; font-size: 14pt; font-weight: bold;"> <br>
      </font>
      <hr align="center" noshade="noshade" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;">
      <div style="text-align: center; line-height: 15.95pt;"><font style="font-family: 'Times New Roman', serif; font-size: 14pt; font-weight: bold;">Form 6-K</font>
        <hr align="center" noshade="noshade" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
      <div style="text-align: center; line-height: 15.95pt;"><font style="font-family: 'Times New Roman', serif; font-size: 14pt; font-weight: bold;"> <br>
        </font></div>
      <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">REPORT OF <font style="font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 12pt;">FOREIGN</font>
          PRIVATE ISSUER PURSUANT TO RULE 13<font style="font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 12pt;">a</font>-16 OR <font style="font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 12pt;">15d</font>-16


          UNDER THE</font></div>
      <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">SECURITIES EXCHANGE ACT OF 1934</font></div>
      <div style="line-height: 15.95pt;"><br style="line-height: 15.95pt;">
      </div>
      <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">For the month of <font style="font-family: 'Times New Roman', serif; font-size: 11pt;"><u>February 2019</u></font></font></div>
      <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
      </div>
      <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Commission File Number: 1-14942</font></div>
      <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
      </div>
      <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
      </div>
      <div style="text-align: center; line-height: 18.25pt; margin-top: 12pt; margin-bottom: 12pt; background-color: rgb(255, 255, 255); font-weight: bold; color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;,serif; font-size: 16pt; font-style:
        normal; font-variant: normal; text-transform: none;"><font style="background-color: rgb(255, 255, 255); font-weight: bold; color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;,serif; font-size: 16pt; font-style: normal; font-variant:
          normal; text-transform: none;">MANULIFE FINANCIAL CORPORATION</font>
        <hr align="center" noshade="noshade" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
      <div style="text-align: center; line-height: 11.4pt;"><font style="font-family: 'Times New Roman', serif; font-size: 10pt;">(Translation of registrant's name into English)</font></div>
      <div style="line-height: 15.95pt;"><br style="line-height: 15.95pt;">
      </div>
      <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">200 Bloor Street East</font></div>
      <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">North Tower 10</font></div>
      <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Toronto, Ontario, Canada M4W 1E5</font></div>
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        <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">(416) 926&#8209;3000</font></div>
      </div>
      <div style="text-align: center; line-height: 11.4pt;"><font style="font-family: 'Times New Roman', serif; font-size: 10pt;">(Address of principal executive office)</font></div>
      <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
      </div>
      <div style="text-align: justify; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.</font></div>
      <div style="text-align: justify; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;"> <br>
        </font></div>
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          <tr>
            <td style="width: 22.22%; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Form 20-F</font></div>
            </td>
            <td style="width: 28.28%; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 11pt;">&#9744;</font></div>
            </td>
            <td style="width: 21.21%; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Form 40-F</font></div>
            </td>
            <td style="width: 28.28%; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 11pt;">&#9745;</font></div>
            </td>
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      <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
      </div>
      <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">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 style="font-family: 'Times New Roman', Times, serif; font-size: 11pt;">&#9744;</font></font></div>
      <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
      </div>
      <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">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 style="font-family: 'Times New Roman', Times, serif; font-size: 11pt;">&#9744;</font></font></div>
      <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
      </div>
      <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Indicate by check mark whether the registrant by furnishing the information contained in this Form is also thereby furnishing
          the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.</font></div>
      <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;"> <br>
        </font></div>
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            <td style="width: 16.44%; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Yes</font></div>
            </td>
            <td style="width: 33.57%; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 11pt;">&#9744;</font></div>
            </td>
            <td style="width: 12.91%; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">No</font></div>
            </td>
            <td style="width: 37.08%; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 11pt;">&#9745;</font></div>
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      </div>
      <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">If "Yes" is marked, indicate below the file number assigned to the registrant in connection with Rule 12g3-2(b): 82- ________.</font></div>
      <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;"> <br>
        </font></div>
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      <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">DOCUMENTS FILED AS PART OF THIS FORM 6-K</font></div>
      <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
      </div>
      <div style="text-align: left; text-indent: 36pt; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt; color: #000000;">The following documents, filed as exhibits to this Form 6-K, are incorporated by reference
          as part of this Form 6-K:</font></div>
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      </div>
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              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt; color: #000000;">Exhibit</font></div>
            </td>
            <td style="width: 86.75%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt; color: #000000;">Description of Exhibit</font></div>
            </td>
          </tr>
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            <td style="width: 13.25%; vertical-align: top; border-top: #000000 2px solid;">&#160;</td>
            <td style="width: 86.75%; vertical-align: top; border-top: #000000 2px solid;">&#160;</td>
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            <td style="width: 13.25%; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">99.1</font></div>
            </td>
            <td style="width: 86.75%; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">News release &#8211; fourth quarter and annual results dated February&#160;13, 2019</font></div>
            </td>
          </tr>
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            <td style="width: 13.25%; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">99.2</font></div>
            </td>
            <td style="width: 86.75%; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">News release &#8211; quarterly dividend announcement dated February 13, 2019</font></div>
            </td>
          </tr>

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      <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
      </div>
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      </div>
      <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
      </div>
      <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">SIGNATURES</font></div>
      <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
      </div>
      <div style="text-align: left; text-indent: 36pt; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, 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: 12.55pt;"><br style="line-height: 12.55pt;">
      </div>
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            <td style="width: 41.48%; vertical-align: top;">&#160;</td>
            <td style="width: 58.52%; vertical-align: top; background-color: rgb(255, 255, 255); font-weight: normal; color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;,serif; font-size: 14pt; font-style: normal; font-variant: normal;
              text-transform: none;">
              <div style="text-align: left; line-height: 15.95pt;">MANULIFE FINANCIAL CORPORATION</div>
            </td>
          </tr>
          <tr>
            <td style="width: 41.48%; vertical-align: top;">&#160;</td>
            <td style="width: 58.52%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 41.48%; vertical-align: top;">&#160;</td>
            <td style="width: 58.52%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 41.48%; vertical-align: top;">&#160;</td>
            <td style="width: 58.52%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 41.48%; vertical-align: top;">&#160;</td>
            <td style="width: 58.52%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 41.48%; vertical-align: top;">&#160;</td>
            <td style="width: 58.52%; vertical-align: top; border-bottom: 2px solid black;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">By:</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt;" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 11pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt; font-style: italic;">/s/</font><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 11pt; font-style: italic;">Kay Song</font></font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 41.48%; vertical-align: top;">&#160;</td>
            <td style="width: 58.52%; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Name:</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Kay Song</font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 41.48%; vertical-align: top;">&#160;</td>
            <td style="width: 58.52%; vertical-align: top;">
              <div style="text-align: left; text-indent: -36.6pt; margin-left: 36.6pt; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Title:</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman', serif;
                  font-size: 11pt;">Assistant Corporate Secretary</font></div>
              <div style="text-align: left; text-indent: -36.6pt; margin-left: 36.6pt; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;"> <br>
                </font></div>
              <div style="text-align: left; text-indent: -36.6pt; margin-left: 36.6pt; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;"> <br>
                </font></div>
            </td>
          </tr>
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            <td style="width: 41.48%; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Date:&#160; February 13, 2019</font></div>
            </td>
            <td style="width: 58.52%; vertical-align: top;">&#160;</td>
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      <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold; color: #000000;">EXHIBIT INDEX</font></div>
      <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
      </div>
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            <td style="width: 13.16%; vertical-align: top; border-bottom: 2px solid black;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt; color: #000000;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Exhibit</font></font></div>
            </td>
            <td style="width: 86.84%; vertical-align: top; border-bottom: 2px solid black;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt; color: #000000;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Description of Exhibit</font></font></div>
            </td>
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            <td style="width: 13.16%; vertical-align: top;">&#160;</td>
            <td style="width: 86.84%; vertical-align: top;">&#160;</td>
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            <td style="width: 13.16%; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">99.1</font></div>
            </td>
            <td style="width: 86.84%; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">News release &#8211; fourth quarter and annual results dated February&#160;13, 2019</font></div>
            </td>
          </tr>
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            <td style="width: 13.16%; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">99.2</font></div>
            </td>
            <td style="width: 86.84%; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">News release &#8211; quarterly dividend announcement dated February 13, 2019</font></div>
            </td>
          </tr>

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<DOCUMENT>
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<DESCRIPTION>EXHIBIT99-1-4Q2018EARNINGS
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    <div style="text-align: left; line-height: 37.2pt; margin-bottom: 6pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 26pt; font-weight: bold;"><a name="_Hlk531877147"></a>News Release</div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 3pt;"><font style="font-family: 'Segoe UI', sans-serif; font-size: 10.5pt; font-weight: bold;">C$ unless otherwise stated</font><font style="display: inline-block; text-indent: 0px;
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          MFC</font><font style="font-family: 'Segoe UI', sans-serif; font-size: 10.5pt;">&#160;&#160; SEHK: 945</font></font></div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 12pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt; font-weight: bold;">February 13, 2019</font></div>
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    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse;" id="zd6859e6655d64418ba46bf221de6f0f6">

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            <div style="text-align: left; line-height: 10.25pt; margin-bottom: 3pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 9pt;"><a name="_Hlk535909505"></a><a name="_Hlk535910259"></a><a name="_Hlk535910260"></a><font style="font-size: 9pt; color: rgb(28, 28, 28);">This earnings news release for Manulife Financial Corporation (&#8220;Manulife&#8221; or the &#8220;Company&#8221;) should be read in conjunction with the Company&#8217;s Management Discussion &amp; Analysis (&#8220;MD&amp;A&#8221;)
                  and Consolidated Financial Statements for the year ended December 31, 2018, prepared in accordance with International Financial Reporting Standards (&#8220;IFRS&#8221;) as issued by the International Accounting Standards Board (&#8220;IASB&#8221;), which are
                  available on our website at </font><font style="font-size: 9pt; color: rgb(0, 0, 255);"><u>http://manulife.force.com/Reports</u></font><font style="font-family: 'Times New Roman', serif; font-size: 9pt;">.</font>&#160;<font style="font-size:
                  9pt; color: rgb(28, 28, 28);">Additional information relating to the Company is available on the SEDAR website at </font><font style="font-size: 9pt; color: rgb(0, 0, 255);"><u>http://www.sedar.com</u></font><font style="font-size: 9pt;
                  color: rgb(28, 28, 28);"> and on the U.S. Securities and Exchange Commission's (&#8220;SEC&#8221;) website at </font><font style="font-size: 9pt; color: rgb(0, 0, 255);"><u>http://www.sec.gov</u></font><font style="font-size: 9pt; color: rgb(28, 28,
                  28);">.</font></font></div>
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    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; margin-right: 12.6pt; line-height: 13.7pt; margin-top: 6pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 12pt; font-weight: bold; color: rgb(0, 128, 0);"><font style="font-family: 'Arial Narrow', sans-serif; font-size: 12pt;"><u>Manulife reports 2018 net income of $4.8 billion, and core earnings of $5.6 billion with double-digit growth across all operating segments</u></font></font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; margin-right: 12.6pt; line-height: 12.55pt; margin-bottom: 3pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">Today, Manulife announced its 2018 and 4Q18 results. Key
        highlights include:</font></div>
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              <td style="width: 18pt; vertical-align: top; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><a name="_Hlk531875609"></a><font style="font-size: 11pt;"><font style="font-family: Times New Roman">&#9679;</font></font></td>
              <td style="width: auto; vertical-align: top; text-align: left;">
                <div style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">Net income attributed to shareholders of $4.8 billion in 2018, up $2.7 billion from 2017, and $0.6 billion in 4Q18, up $2.2 billion
                    from 4Q17</font></div>
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              <td style="width: 18pt; vertical-align: top; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-family: Times New Roman">&#9679;</font></td>
              <td style="width: auto; vertical-align: top; text-align: left;">
                <div style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">Core earnings<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $5.6 billion in 2018, up 23%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> from 2017, and $1.3 billion in 4Q18, up 8% from 4Q17</font></div>
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              <td style="width: 18pt; vertical-align: top; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-family: Times New Roman">&#9679;</font></td>
              <td style="width: auto; vertical-align: top; text-align: left;">
                <div style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">3 percentage point improvement in our 2018 expense efficiency ratio<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> to 52.0%</font></div>
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              <td style="width: 18pt; vertical-align: top; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-family: Times New Roman">&#9679;</font></td>
              <td style="width: auto; vertical-align: top; text-align: left;">
                <div style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">APE sales<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $5.5 billion in 2018, down 3% from 2017, and $1.5 billion in 4Q18, up 14% from 4Q17</font></div>
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              <td style="width: 18pt; vertical-align: top; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-family: Times New Roman">&#9679;</font></td>
              <td style="width: auto; vertical-align: top; text-align: left;">
                <div style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">NBV<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $1.7 billion in 2018, up 20% from 2017, and $501 million in 4Q18, up 27% from 4Q17</font></div>
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              <td style="width: 18pt; vertical-align: top; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-family: Times New Roman">&#9679;</font></td>
              <td style="width: auto; vertical-align: top; text-align: left;">
                <div style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">Positive net flows<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $1.6 billion in 2018, despite negative net flows in 4Q18 of $9.0 billion reflecting market
                    conditions</font></div>
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              <td style="width: 18pt; vertical-align: top; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-family: Times New Roman">&#9679;</font></td>
              <td style="width: auto; vertical-align: top; text-align: left;">
                <div style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">Improved the capital efficiency of our legacy businesses in 2018, including selling alternative long-duration assets and executing
                    several reinsurance transactions, contributing to a strong 143% LICAT ratio<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup></font></div>
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    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; line-height: 12.55pt; margin-top: 12pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;"> &#8220;We delivered the highest core earnings and net income in our
        Company&#8217;s history in 2018. Core earnings increased 23% to $5.6 billion, with double-digit core earnings growth across all operating segments,&#8221; said Manulife President &amp; Chief Executive Officer Roy Gori.</font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; margin-right: 12.6pt; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">&#8220;We continued to execute against our five priorities and
        ambition to become the most digital and customer-centric global company in our industry and launched a number of initiatives to streamline our businesses and enhance the customer experience<font style="font-size: 11pt;">,</font>&#8221; added Mr. Gori<font style="font-size: 11pt;">.</font></font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; margin-right: 12.95pt; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">Phil Witherington, Chief Financial Officer, said, &#8220;In Asia, we
        achieved a 19% increase in new business value to US$1.1 billion in 2018. And, while net flows were negatively impacted by significant market volatility in the fourth quarter, we generated net inflows of $1.6 billion in 2018, our 9<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup>
        consecutive year of positive net flows.&#8221;</font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; margin-right: 12.6pt; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">&#8220;During the year, we also made significant progress improving
        the capital efficiency of our legacy businesses. Once our announced initiatives are fully executed, we will have released $3.7 billion in capital, representing almost three-quarters of our 2022 target<font style="font-size: 11pt;">,</font>&#8221; added
        Mr. Witherington<font style="font-size: 11pt;">.</font></font></div>
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              <td style="width: 27pt; vertical-align: top; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></td>
              <td style="width: auto; vertical-align: top; text-align: left;">
                <div style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 8pt;">Core earnings, expense efficiency ratio, annualized premium equivalent (&#8220;APE&#8221;) sales, new business value (&#8220;NBV&#8221;) and net flows are
                    non-GAAP measures. See &#8220;Performance and Non-GAAP Measures&#8221; below and in &#8216;our 2018 Management&#8217;s Discussion and Analysis for additional information.</font></div>
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      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" id="z1a07323bf83b4dc8bbde7d45dd9e4f5b" class="DSPFListTable">

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              <td style="width: 26.3pt; vertical-align: top; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup></td>
              <td style="vertical-align: top; text-align: left;">
                <div style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 8pt;">All percentage growth / declines in financial metrics in this news release are reported on a constant exchange rate basis. Constant
                    exchange rate basis excludes the impact of currency fluctuations and is a non-GAAP measure. See &#8220;Performance and Non-GAAP Measures&#8221; below and in our 2018 Management&#8217;s Discussion and Analysis for additional information.</font></div>
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        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" id="z936e4d22b56449adb388c39caf08b7d7" class="DSPFListTable">

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              <td style="width: 27pt; vertical-align: top; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup></td>
              <td style="width: auto; vertical-align: top; text-align: left;">
                <div style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 8pt;">Life Insurance Capital Adequacy Test (&#8220;LICAT&#8221;) ratio of The Manufacturers Life Insurance Company (&#8220;MLI&#8221;).</font></div>
              </td>
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        <div id="DSPFPageFooter" style="width: 100%;">February 13, 2019 &#8211; Press Release Reporting Fourth Quarter Results</div>
        <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-size: 10pt; font-weight: normal; font-style: normal;">1</font></div>
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    <div style="text-align: left; line-height: 13.7pt; margin-top: 10pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 12pt; font-weight: bold;"><a name="_Hlk535571720"></a></font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; line-height: 13.7pt; margin-top: 10pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 12pt; font-weight: bold;">2018 BUSINESS HIGHLIGHTS:</font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; line-height: 12.55pt; margin-top: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;"><font style="font-size: 11pt; color: rgb(0, 0, 0);">We announced a number of initiatives
          to improve the capital efficiency of our legacy businesses. In 2018, we: sold alternative long-duration assets; entered into 6 reinsurance transactions covering legacy universal life and fixed annuity blocks; sold Signator </font>Investors, our
        wholly-owned broker-dealer; and offered customers within some of our legacy segregated fund products in Canada an opportunity to convert to a less capital intensive segregated fund product. These initiatives released $3.0 billion in capital in
        2018.</font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; line-height: 12.55pt; margin-top: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt; color: rgb(0, 0, 0);">We also delivered a number of digital, customer-centric initiatives.
        We launched the innovative Goals-Based Investing program, which leverages dynamic liability-driven investment strategies, an industry first for retail customers in Canada. We launched eClaims in Hong Kong, Japan and Vietnam and became the first
        Canadian life insurer to underwrite using artificial intelligence. And in the U.S., we became the first company to fully embrace behavioural-based life insurance with the launch of John Hancock Vitality Go on all life insurance policies at no
        additional cost to the customer.</font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; line-height: 12.55pt; margin-top: 12pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt; font-weight: bold;">FINANCIAL HIGHLIGHTS:</font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" id="za32a1a0e771d43809a43b754ac765a66">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="6">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;"> </font></div>
            <div style="text-align: center; line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">Quarterly results</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;"> </font></div>
            <div style="text-align: center; line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">Full year results</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -12pt; margin-right: 18.6pt; margin-left: 12pt; line-height: 10.25pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 9pt;">($ millions, unless
                otherwise stated)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">4Q18</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">4Q17</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial
            Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">2018</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">2017</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; margin-right: 18.6pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">Profitability:</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Net income attributed
                to shareholders</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">593</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">(1,606</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">4,800</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">2,104</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Core earnings<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">1,337</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">1,205</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">5,610</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">4,565</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Diluted earnings per
                common share ($)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">0.28</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">(0.83</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">2.33</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">0.98</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Diluted core earnings
                per common share ($)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">0.65</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">0.59</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">2.74</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">2.22</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Return on common
                shareholders&#8217; equity (&#8220;ROE&#8221;)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">5.3</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">%</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">(17.1</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">)%</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">11.6</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">%</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">5.0</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">%</font></div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Core ROE<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">12.5</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">%</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">12.1</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">%</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">13.7</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">%</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">11.3</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">%</font></div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; margin-right: 18.6pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Expense efficiency ratio<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">55.2</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">%</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">55.7</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">%</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial
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          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">%</font></div>
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          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">55.4</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">%</font></div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">Growth:</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Asia APE sales</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">1,040</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">884</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">4,012</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">3,747</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Canada APE sales</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">277</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">222</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">975</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">1,366</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;U.S. APE sales</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">152</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">153</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">553</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">603</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">&#160;&#160;Total APE sales<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">1,469</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">1,259</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">5,540</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">5,716</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Asia new business value</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">402</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">319</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">1,443</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">1,201</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Canada new business value</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">51</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">48</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">207</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">191</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;U.S. new business value</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">48</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">16</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">98</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">51</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Total new business value<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">501</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">383</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">1,748</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">1,443</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-right: 3.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Wealth and asset
                management gross flows ($ billions)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">26.3</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">32.2</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">119.0</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">122.0</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-right: 3.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Wealth and asset
                management net flows ($ billions)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">(9.0</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">3.6</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">1.6</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">18.3</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-right: 3.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Wealth and asset
                management assets under management and administration ($ billions)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">608.8</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">609.0</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial
            Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">608.8</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">609.0</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; margin-right: 18.6pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">Financial Strength:</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">MLI&#8217;s LICAT ratio</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">143</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">%</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">n/a</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">143</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">%</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">n/a</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Financial leverage ratio</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">28.6</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">%</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">30.3</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">%</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">28.6</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">%</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">30.3</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">%</font></div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Book value per common share ($)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">21.38</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">18.89</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">21.38</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">18.89</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Book value per common share excluding AOCI
                ($)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">18.23</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">16.83</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial
            Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">18.23</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">16.83</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>

    </table>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; line-height: 9.1pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup> <font style="font-size: 8pt;">This item is a non-GAAP measure. See &#8220;Performance and Non-GAAP Measures&#8221; below and in our
        2018 Management&#8217;s Discussion and Analysis for additional information.</font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; line-height: 9.1pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 8pt;"> <br>
      </font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; line-height: 9.1pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 8pt;"> <br>
      </font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; line-height: 9.1pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 8pt;"> <br>
      </font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; line-height: 9.1pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 8pt;"> <br>
      </font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; line-height: 9.1pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 8pt;"> <br>
      </font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div id="DSPFPageFooter" style="width: 100%;">February 13, 2019 &#8211; Press Release Reporting Fourth Quarter Results</div>
      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-size: 10pt; font-weight: normal; font-style: normal;">2</font></div>
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div id="DSPFPageHeader"></div>
    </div>
    <div style="line-height: 12.55pt;"><font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><br style="line-height: 12.55pt;">
      </font> </div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; margin-top: 12pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt; font-weight: bold;">Reported net income attributed to shareholders
        of $4.8 billion in 2018, an increase of $2.7 billion compared with 2017, and $0.6 billion in 4Q18, an increase of $2.2 billion compared with 4Q1<font style="font-size: 11pt; color: rgb(0, 0, 0);">7</font><a name="_Hlk531875891"></a></font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">The increase compared with 2017 was due to the non-recurrence of
        the $2.8 billion charge in 2017 related to the impact of the U.S. Tax Cuts and Jobs Act (&#8220;U.S. Tax Reform&#8221;) and our decision to change the portfolio asset mix supporting our legacy businesses as well as strong core earnings growth, partially offset
        by charges in 2018 primarily related to the direct impact of equity markets.</font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">The increase compared with 4Q17 was due to the non-recurrence of the $2.8 billion
        charge noted above, partially offset by charges in 4Q18 related to the direct impact of equity markets.</font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; margin-top: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt; font-weight: bold; color: rgb(0, 0, 0);"><a name="_Hlk535511198"></a>Achieved





        core earnings of $5.6 billion in 2018, an increase of 23% compared with 2017, and $1.3 billion in 4Q18, an increase of 8% compared with 4Q17</font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;"><a name="_Hlk536376093"></a>The increase compared with 2017 was
        driven by improved policyholder experience and the non-recurrence of 2017&#8217;s hurricane-related charges in our Property and Casualty Reinsurance business, business growth in Asia and Global WAM, the impact of lower U.S. tax rates and greater expense
        efficiency. These were partially offset by lower gains from the release of provisions for uncertain tax positions and the unfavourable impact of markets, in 2018, on seed money investments <a name="_Hlk776444"></a>in new segregated and mutual
        funds. Core earnings in 2018 included <a name="_Hlk535512373"></a>net policyholder experience gains of $38 million post-tax compared with charges of $168 million post-tax in 2017.<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">The increase compared with 4Q17 was primarily driven by new
        business growth in Asia, the impact of lower U.S. tax rates, improved policyholder experience, and greater expense efficiency, partially offset by the impact of lower equity markets on seed money investments in new segregated and mutual funds and
        fee income, and actions to optimize our portfolio. Core earnings in 4Q18 included net policyholder experience gains of $11 million post-tax compared with charges of $34 million post-tax in 4Q17.</font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; line-height: 13.7pt; margin-top: 12pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 12pt; font-weight: bold; color: rgb(0, 0, 0);">BUSINESS GROWTH:</font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; margin-top: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt; font-weight: bold; color: rgb(0, 0, 0);">Achieved new business value
        (&#8220;NBV&#8221;) of $1,748 million in 2018, an increase of 20% compared with 2017, and $501 million in 4Q18, an increase of 27% compared with 4Q17</font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;"><font style="font-size: 11pt; color: rgb(0, 0, 0);">NBV was $1.7
          billion in 2018, an increase of 20% compared with 2017. In Asia, NBV increased 19% to $1.4 billion due to higher sales, scale benefits and a favourable business mix. </font>Canada NBV increased 8% to $207 million as the benefits from the launch
        of Manulife Par and product repricing were partially offset by lower group insurance sales. U.S. NBV increased 90% to $98 million driven by product repricing to improve margins.</font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; line-height: 12.55pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt; color: rgb(0, 0, 0);">NBV was $501 million in 4Q18, an increase of 27% compared with 4Q17. In Asia, NBV
        increased 23% to $402 million due to higher sales, scale benefits, and improved product mix. Canada NBV increased 6% to $51 million as the benefits from the launch of Manulife Par were partially offset by a less favourable business mix in group
        insurance. U.S. NBV almost tripled to $48 million due to actions to improve margins and a more favourable business mix.</font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; line-height: 12.55pt; margin-top: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt; font-weight: bold; color: rgb(0, 0, 0);">Reported annualized premium equivalent (&#8220;APE&#8221;)
        sales of $5.5 billion in 2018, a decrease of 3% compared with 2017, and $1.5 billion in 4Q18, an increase of 14% compared with 4Q17</font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt; color: rgb(0, 0, 0);">APE sales were $5.5 billion in 2018, a
        decrease of 3% compared with 2017. In Asia, APE sales increased 6%, as growth in Hong Kong of 11% and Asia Other<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> of 13% was partially offset by a 3% decline in Japan sales due to competitive pressure during the first half of the year<font style="font-size: 11pt;">.</font> In Canada, APE sales declined 29% due to lower large<font style="font-size: 11pt;">-</font>case group insurance sales. Canadian individual insurance sales were in line with 2017 as benefits from the launch of
        Manulife Par offset the impact of price increases in the prior year. In the U.S., APE sales declined 8% driven by increased competition in the international high net worth segment and actions to maintain margins.</font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;; font-size: 11pt;"><font style="color: rgb(0, 0, 0);">APE sales were $1.5 billion in 4Q18, an increase of 14%
        compared with 4Q17. In Asia, APE sales increased 15%, with growth across Japan, Hong Kong and Asia Other. APE sales in Japan increased 34% driven by the continued success of the new COLI term product. Hong Kong sales increased 8% driven by growth
        in our bancassurance channel. Asia Other APE sales increased 4% as higher sales of protection products were partially offset by lower sales of single premium investment-linked products, reflecting market volatility. In Canada, APE sales increased
        25%, driven by the continued success of our recently-launched Manulife Par product and a large-case group insurance sale. In the U.S., APE sales declined 5% driven by increased competition in the international high net worth segment and actions to
        maintain margins.</font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;; font-size: 11pt;"><font style="color: rgb(0, 0, 0);"><font style="font-family: &quot;Arial
          Narrow&quot;,&quot;sans-serif&quot;;"> </font><br>
      </font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font></div>
  <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
  <div><font style="color: rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><br>
    </font>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;; font-size: 11pt;"><font style="color: rgb(0, 0, 0);"> <br>
      </font></div>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;; font-size: 11pt;"><font style="color: rgb(0, 0, 0);"> <br>
      </font></div>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; margin-top: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;; font-size: 11pt;"><font style="font-weight: bold;"><a name="_Hlk533075884"></a></font></div>
    <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><br>
    </font> <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><br>
    </font>
    <hr align="left" noshade="noshade" style="text-align: left; background-color: #000000; border: 0px; height: 1px; width: 2in; margin-left: 0pt; margin-right: auto; color: #000000;">
    <div style="text-align: left; line-height: 9.1pt; margin-bottom: 2pt;">
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" id="z7c7422e9edd0464f809f2a046b8d1f2b" class="DSPFListTable">

            <tr>
              <td style="width: 0.7pt;"><font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><br>
                </font> </td>
              <td style="width: 35.3pt; vertical-align: top; align: right;">
                <div><font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></font><br>
                  <sup style="vertical-align: text-top; line-height: 1; font-size: smaller;"><font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;">2</font></sup></div>
              </td>
              <td style="width: auto; vertical-align: top; text-align: left;">
                <div style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 8pt;">Effective the first quarter of 2018, policyholder experience is being reported excluding minority interest. Comparative prior periods
                    have been updated.</font></div>
                <div style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 8pt;">Asia Other excludes Japan and Hong Kong.</font></div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div id="DSPFPageFooter" style="width: 100%;">February 13, 2019 &#8211; Press Release Reporting Fourth Quarter Results</div>
      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-size: 10pt; font-weight: normal; font-style: normal;">3</font></div>
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div id="DSPFPageHeader"></div>
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><a name="RANGE!C5:L18"></a><a name="RANGE!B5:K18"></a><a name="RANGE!B6:K19"></a><a name="RANGE!B5:K24"></a></font>
      <div>
        <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; margin-top: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;; font-size: 11pt;"><font style="font-weight: bold;"> <br>
          </font></div>
        <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; margin-top: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;; font-size: 11pt;"><font style="font-weight: bold;">Reported Global Wealth and Asset Management
            net flows of $1.6 billion in 2018, a decrease of $16.7 billion compared with 2017, and negative net flows of $9.0 billion in 4Q18, a decrease of $12.6 billion compared with positive net flows of $3.6 billion in 4Q17</font></div>
        <div style="background-color: #FFFFFF; line-height: 14.4pt;">
          <div style="text-align: left; line-height: 12.55pt; margin-bottom: 6pt;"><font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;; font-size: 11pt;">Full year net flows of $1.6 billion in 2018, declined $16.7 billion compared
              with 2017. </font><font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;; font-size: 11pt;">Net flows in Asia were $5.7 billion in 2018 compared with net flows of $6.6 billion in 2017, driven by lower gross flows in
              mainland China from retail money market funds. Net flows in Canada were $2.0 billion in 2018 compared with net flows of $3.7 billion in 2017, driven by higher retail redemptions. Net flows in the U.S. were negative $6.1 billion in 2018
              compared with positive net flows of $7.9 billion in 2017, driven by higher retail redemptions amid the declines in equity markets.</font></div>
          <div style="text-align: left; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;; font-size: 11pt;">4Q18 net flows were negative $9.0 billion compared with positive net flows of $3.6 billion in
            4Q17. Net flows in Asia were $1.1 billion in 4Q18, compared with net flows of $2.3 billion in 4Q17, driven by lower gross flows in institutional asset management. Net flows in Canada were negative $0.7 billion in 4Q18 compared with positive net
            flows of $0.7 billion in 4Q17, driven by lower net flows in retail amid equity market declines and higher redemptions in retirement. Net flows in the U.S. were negative $9.4 billion in 4Q18 compared with positive net flows of $0.6 billion in
            4Q17, driven by higher retail redemptions amid the declines in equity markets.</div>
          <div style="line-height: 0pt;"><font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><br style="line-height: 0pt;">
            </font> </div>
        </div>
        <div style="text-align: left; line-height: 12.55pt; margin-top: 12pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt; font-weight: bold;"><a name="_Hlk505759897"></a><a name="_Hlk534796386"></a><a name="_Hlk513799236"></a>QUARTERLY EARNINGS RESULTS CONFERENCE CALL</font></div>
        <div style="text-align: left; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;"><a name="_Hlk496123050"></a><a name="_Hlk503895841"></a><a name="_Hlk524712587"></a><a name="_Hlk528250285"></a>Manulife Financial Corporation will host a Fourth Quarter and Year End 2018 Earnings Results Conference Call at 8:00 a.m. ET on <a name="_Hlk503895688"></a>February 14, 2019. For local and international locations,
            please call 416-340-8530 or toll free, North America 1-800-769-8320. Please call in ten minutes before the call starts. You will be required to provide your name and organization to the operator. A replay of this call will be available by 11:00
            a.m. ET on February 14, 2019 through February 28<font style="font-size: 11pt;">,</font> 2019 by calling 905-694-9451 or 1-800-408-3053 (passcode: 2973367#).</font></div>
        <div style="text-align: left; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">The conference call will also be webcast through Manulife&#8217;s website at 8:00 a.m.
            ET on February 14, 2019. You may access the webcast at: <font style="font-size: 11pt; color: rgb(0, 0, 255);"><u>http://manulife.force.com/Reports</u></font>. An archived version of the webcast will be available on the website following the
            call at the same URL as above.</font></div>
        <div style="text-align: left; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">The Fourth Quarter 2018 Statistical Information Package is also
            available on the Manulife website at: <a name="_Hlk528655808"></a><font style="font-size: 11pt; color: rgb(0, 0, 255);"><u>http://manulife.force.com/Reports</u></font>.</font></div>
      </div>
      <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><br>
      </font>
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        <div style="line-height: 12.55pt;"><font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><br style="line-height: 12.55pt;">
          </font> </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse;" id="ze1d495d6cd074a3393102ceb51de7db6">

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                <div style="text-align: left; line-height: 12.55pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;; font-size: 11pt; font-weight: bold;">Media Inquiries</div>
                <div style="text-align: left; line-height: 12.55pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">Sean B. Pasternak</font></div>
                <div style="text-align: left; line-height: 12.55pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">(416) 852-2745</font></div>
                <div style="text-align: left; line-height: 12.55pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt; color: rgb(0, 0, 255);"><font style="font-size: 11pt;"><u>sean_pasternak@manulife.com</u></font></font></div>
              </td>
              <td style="width: 50%; vertical-align: top;">
                <div style="text-align: left; line-height: 12.55pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt; font-weight: bold;">Investor Relations</font></div>
                <div style="text-align: left; line-height: 12.55pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">Adrienne O&#8217;Neill</font></div>
                <div style="text-align: left; line-height: 12.55pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">(416) 926-6997</font></div>
                <div style="text-align: left; line-height: 12.55pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt; color: rgb(0, 0, 255);"><font style="font-size: 11pt;"><u>adrienne_oneill@manulife.com</u></font></font></div>
                <div style="text-align: left; line-height: 12.55pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt; color: rgb(0, 0, 255);"><font style="font-size: 11pt;"><u> <br>
                      </u></font></font></div>
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          </font> </div>
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          </font> </div>
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        </font> </div>
      <div><font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><br>
        </font> </div>
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        </font> </div>
      <div><font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><br>
        </font> </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageFooter" style="width: 100%;">February 13, 2019 &#8211; Press Release Reporting Fourth Quarter Results</div>
        <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-size: 10pt; font-weight: normal; font-style: normal;">4</font></div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        <div id="DSPFPageHeader"></div>
      </div>
      <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><br style="line-height: 12.55pt;">
      </font> </div>
    <div style="text-align: left; line-height: 12.55pt; margin-top: 12pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt; font-weight: bold;">EARNINGS:</font></div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">The following table reconciles core earnings to net income (loss) attributed to
        shareholders:</font></div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" id="z04cde69e0dc941ef97a77f4b7ebe0c0e">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="10">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;"> </font></div>
            <div style="text-align: center; line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">Quarterly results</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="6">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;"> </font></div>
            <div style="text-align: center; line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">Full year results</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -12pt; margin-right: 18.6pt; margin-left: 12pt; line-height: 10.25pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 9pt;">($ millions)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">4Q18</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">3Q18</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">4Q17</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial
            Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">2018</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">2017</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; margin-right: 18.6pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">Core earnings</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Global Wealth and Asset
                Management (&#8220;Global WAM&#8221;)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">231</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">289</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">198</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">986</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">816</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Asia</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">459</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">457</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">372</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">1,749</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">1,453</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Canada</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">312</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">351</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">273</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">1,356</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">1,209</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">U.S.</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">465</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">477</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">463</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">1,830</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">1,609</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; margin-right: 18.6pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Corporate and Other (excluding core investment gains)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">(230</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">(135</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">(201</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">(711</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">(922</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">)</font></div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Core investment gains</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">100</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">100</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">100</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial
            Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">400</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">400</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">Total core earnings</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">1,337</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">1,539</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">1,205</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">5,610</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">4,565</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9.35pt; margin-left: 9.35pt; line-height: 11.4pt; margin-top: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">Items excluded from
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                earnings</font></div>
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          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">(130</font></div>
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          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">312</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">18</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">200</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">167</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: 0pt; margin-right: 3.6pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Direct impact of equity markets and
                interest rates and</font></div>
            <div style="text-align: left; text-indent: 0pt; margin-right: 3.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">variable annuity
                guarantee liabilities</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">(675</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">(277</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">(68</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">(857</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">209</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-right: 3.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Change in actuarial
                methods and assumptions</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">-</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">(51</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">(33</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">(51</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">(35</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">)</font></div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-right: 3.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Charge related to
                decision to change portfolio asset mix</font></div>
            <div style="text-align: left; text-indent: 0pt; margin-right: 3.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">supporting our legacy
                businesses</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">-</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">-</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">(1,032</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">-</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">(1,032</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">)</font></div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-right: 3.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Impact related to U.S.
                Tax Reform</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">-</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">124</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">(1,777</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">124</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">(1,777</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">)</font></div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-right: 3.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Restructuring charge</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">(63</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">-</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">-</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">(263</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">-</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">Reinsurance transactions and other</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">124</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">(74</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">81</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial
            Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">37</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">7</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;">
            <div style="line-height: 0pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: left; line-height: 11.4pt; margin-top: 2pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">Net income (loss) attributed to shareholders</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">593</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">1,573</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">(1,606</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">)</font></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); border-left: 2px solid rgb(0, 0, 0); font-family: &quot;Arial
            Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt; font-weight: bold;">4,800</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
            <div style="line-height: 11.4pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 10pt;">2,104</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;" colspan="1">&#160;</td>
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    <div style="text-align: left; line-height: 13.7pt; margin-top: 12pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 12pt; font-weight: bold;"> <br>
      </font></div>
    <div style="text-align: left; line-height: 13.7pt; margin-top: 12pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 12pt; font-weight: bold;">PERFORMANCE AND NON-GAAP MEASURES:</font></div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;"><a name="_Hlk504052268"></a>We use a number of non-GAAP financial measures to measure
        overall performance and to assess each of our businesses. A financial measure is considered a non-GAAP measure if it is presented other than in accordance with generally accepted accounting principles used for the Company&#8217;s audited financial
        statements. Non-GAAP measures referenced in this news release include: core earnings; core ROE; diluted core earnings per common share; core investment gains; expense efficiency ratio; APE sales; new business value; gross flows; net flows; assets
        under management and administration; and constant exchange rate basis (measures that are reported on a constant exchange rate basis include percentage growth/decline in core earnings, APE sales, new business value, and gross flows). Non-GAAP
        financial measures are not defined terms under GAAP and, therefore, are unlikely to be comparable to similar terms used by other issuers. Therefore, they should not be considered in isolation or as a substitute for any other financial information
        prepared in accordance with GAAP. For more information on non-GAAP financial measures, including those referred to above, see &#8220;Performance and Non-GAAP Measures&#8221; in our 2018 Management&#8217;s Discussion &amp; Analysis.</font></div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;"> <br>
      </font></div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 6pt;"><font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><br>
      </font> </div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 6pt;"><font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><br>
      </font> </div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;"><br>
      </font></div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;"><br>
      </font></div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;"><br>
      </font></div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;"><br>
      </font></div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div id="DSPFPageFooter" style="width: 100%;">February 13, 2019 &#8211; Press Release Reporting Fourth Quarter Results</div>
      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-size: 10pt; font-weight: normal; font-style: normal;">5</font></div>
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><a name="_Hlk513802535"></a><br style="line-height: 12.55pt;">
      </font> </div>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; margin-top: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt; font-weight: bold;">CAUTION REGARDING FORWARD-LOOKING STATEMENTS:</font></div>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">From time to time, Manulife makes written and/or oral
        forward-looking statements, including in this document. In addition, our representatives may make forward-looking statements orally to analysts, investors, the media and others. All such statements are made pursuant to the &#8220;safe harbour&#8221; provisions
        of Canadian provincial securities laws and the U.S. Private Securities Litigation Reform Act of 1995.</font></div>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">The forward-looking statements in this news release include the
        statement with respect to <font style="font-size: 11pt;">the </font>release of capital when our announced initiatives relating to our legacy businesses are fully executed.</font></div>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">The forward-looking statements in this document also relate to,
        among other things, our objectives, goals, strategies, intentions, plans, beliefs, expectations and estimates, and can generally be identified by the use of words such as &#8220;may&#8221;, &#8220;will&#8221;, &#8220;could&#8221;, &#8220;should&#8221;, &#8220;would&#8221;, &#8220;likely&#8221;, &#8220;suspect&#8221;, &#8220;outlook&#8221;,
        &#8220;expect&#8221;, &#8220;intend&#8221;, &#8220;estimate&#8221;, &#8220;anticipate&#8221;, &#8220;believe&#8221;, &#8220;plan&#8221;, &#8220;forecast&#8221;, &#8220;objective&#8221;, &#8220;seek&#8221;, &#8220;aim&#8221;, &#8220;continue&#8221;, &#8220;goal&#8221;, &#8220;restore&#8221;, &#8220;embark&#8221; and &#8220;endeavour&#8221; (or the negative thereof) and words and expressions of similar import, and include
        statements concerning possible or assumed future results. Although we believe that the expectations reflected in such forward-looking statements are reasonable, such statements involve risks and uncertainties, and undue reliance should not be
        placed on such statements and they should not be interpreted as confirming market or analysts&#8217; expectations in any way.</font></div>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">Certain material factors or assumptions are applied in making
        forward-looking statements and actual results may differ materially from those expressed or implied in such statements.</font></div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">Important factors that could cause actual results to differ materially from
        expectations include but are not limited to: general business and economic conditions (including but not limited to the performance, volatility and correlation of equity markets, interest rates, credit and swap spreads, currency rates, investment
        losses and defaults, market liquidity and creditworthiness of guarantors, reinsurers and counterparties); changes in laws and regulations; changes in accounting standards applicable in any of the territories in which we operate; changes in
        regulatory capital requirements; our ability to execute strategic plans and changes to strategic plans; downgrades in our financial strength or credit ratings; our ability to maintain our reputation; impairments of goodwill or intangible assets or
        the establishment of provisions against future tax assets; the accuracy of estimates relating to morbidity, mortality and policyholder behaviour; the accuracy of other estimates used in applying accounting policies, actuarial methods and embedded
        value methods; our ability to implement effective hedging strategies and unforeseen consequences arising from such strategies; our ability to source appropriate assets to back our long-dated liabilities; level of competition and consolidation; our
        ability to market and distribute products through current and future distribution channels; unforeseen liabilities or asset impairments arising from acquisitions and dispositions of businesses; the realization of losses arising from the sale of
        investments classified as available-for-sale; our liquidity, including the availability of financing to satisfy existing financial liabilities on expected maturity dates when required; obligations to pledge additional collateral; the availability
        of letters of credit to provide capital management flexibility; accuracy of information received from counterparties and the ability of counterparties to meet their obligations; the availability, affordability and adequacy of reinsurance; legal and
        regulatory proceedings, including tax audits, tax litigation or similar proceedings; our ability to adapt products and services to the changing market; our ability to attract and retain key executives, employees and agents; the appropriate use and
        interpretation of complex models or deficiencies in models used; political, legal, operational and other risks associated with our non-North American operations; acquisitions and our ability to complete acquisitions including the availability of
        equity and debt financing for this purpose; the disruption of or changes to key elements of the Company&#8217;s or public infrastructure systems; environmental concerns; our ability to protect our intellectual property and exposure to claims of
        infringement; and our inability to withdraw cash from subsidiaries.</font></div>
    <div style="text-align: left; margin-right: 21.6pt; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;"><a name="_Hlk505759848"></a>Additional information about
        material risk factors that could cause actual results to differ materially from expectations and about material factors or assumptions applied in making forward-looking statements may be found in our 2018 Management&#8217;s Discussion and Analysis under
        &#8220;Risk Management&#8221;, &#8220;Risk Factors&#8221; and &#8220;Critical Accounting and Actuarial Policies&#8221; and in the &#8220;Risk Management&#8221; note to the Consolidated Financial Statements for the year ended December 31, 2018 as well as elsewhere in our filings with Canadian and
        U.S. securities regulators.</font></div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 6pt; font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><font style="font-size: 11pt;">The forward-looking statements in this document are, unless otherwise indicated,
        stated as of the date hereof and are presented for the purpose of assisting investors and others in understanding our financial position and results of operations, our future operations, as well as our objectives and strategic priorities, and may
        not be appropriate for other purposes. We do not undertake to update any forward-looking statements, except as required by law.</font></div>
    <div><font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"><br>
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    </font> </div>
  <font style="font-family: &quot;Arial Narrow&quot;,&quot;sans-serif&quot;;"> </font>
  <div id="DSPFPageFooter" style="width: 100%;">February 13, 2019 &#8211; Press Release Reporting Fourth Quarter Results</div>
  <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-size: 10pt; font-weight: normal; font-style: normal;">6</font></div>
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    <!-- Licensed to: Manulife
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      <div style="text-align: left; line-height: 12.55pt;"><img width="136" height="23" src="image0.jpg"></div>
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    </div>
    <div style="text-align: left; line-height: 29.65pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 26pt; font-weight: bold;">News<font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 26pt;"><br>
      </font>Release</div>
    <div style="line-height: 17.7pt;"><br style="line-height: 17.7pt;">
    </div>
    <div style="text-align: left; line-height: 17.7pt;"><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">C$ unless otherwise stated</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size:
        1px; width: 288pt;">&#160;</font><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">TSX/NYSE/PSE: MFC&#160; &#160;&#160; SEHK: 945<font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;"><br>
        </font>For Immediate Release<font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;"><br>
        </font>February 13, 2019</font></div>
    <div style="text-align: left; line-height: 22.4pt;"><font style="font-family: 'Manulife JH Sans Demibold', sans-serif; font-size: 12pt;"><br style="line-height: 22.4pt;">
        <font style="font-family: 'Manulife JH Sans Demibold', sans-serif; font-size: 12pt;"><br>
        </font><font style="font-family: 'Manulife JH Sans Demibold', sans-serif; font-size: 12.5pt;">Manulife Financial Corporation Declares Common Share Dividend</font><font style="font-family: 'Manulife JH Sans Demibold', sans-serif; font-size: 12pt;"><br>
        </font></font><br style="line-height: 22.4pt;">
    </div>
    <div style="text-align: left; line-height: 17.7pt;"><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;"><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt; font-weight: bold;">Toronto</font> - Manulife
        Financial Corporation&#8217;s Board of Directors today announced a quarterly shareholders&#8217; dividend of $0.25 per share on the common shares of Manulife Financial Corporation (the &#8220;Company&#8221;), payable on and after March 19, 2019 to shareholders of record
        at the close of business on February 27, 2019.</font></div>
    <div style="line-height: 17.7pt;"><br style="line-height: 17.7pt;">
    </div>
    <div style="text-align: left; line-height: 17.7pt;"><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">In respect of the Company&#8217;s March 19, 2019 common share dividend payment date, the Company will issue common shares from
        treasury in connection with the reinvestment of dividends and optional cash purchases pursuant to the Company&#8217;s Canadian Dividend Reinvestment and Share Purchase Plan and its U.S. Dividend Reinvestment and Share Purchase Plan. The price of common
        shares purchased with reinvested dividends will be reduced by a two per cent (2%) discount from the market price, as determined pursuant to the applicable plan. This discount is being offered to reward long-term shareholders for their ongoing
        commitment.</font></div>
    <div style="line-height: 17.7pt;"><br style="line-height: 17.7pt;">
    </div>
    <div style="text-align: left; line-height: 23.3pt;"><font style="font-family: 'Manulife JH Sans Demibold', sans-serif; font-size: 12.5pt; font-weight: bold;"><a name="_Hlk536523370"></a>About Manulife</font></div>
    <div style="text-align: left; line-height: 17.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 9.5pt; color: #000000;">Manulife Financial Corporation is a leading international financial services group that helps people make their
        decisions easier and lives better. We operate primarily as John Hancock in the United States and Manulife elsewhere. We provide financial advice, insurance, as well as wealth and asset management solutions for individuals, groups and institutions.
        At the end of 2018, we had more than 34,000 employees, over 82,000 agents, and thousands of distribution partners, serving almost 28 million customers. As of December 31, 2018, we had over $1.1 trillion (US$794 billion) in assets under management
        and administration, and in the previous 12 months we made $29.0 billion in payments to our customers. Our principal operations in Asia, Canada and the United States are where we have served customers for more than 100 years. With our global
        headquarters in Toronto, Canada, we trade as 'MFC' on the Toronto, New York, and the Philippine stock exchanges and under '945' in Hong Kong.<font style="font-family: 'Times New Roman', serif; font-size: 9.5pt;"><br>
        </font></font>
      <div><br>
      </div>
      <br style="line-height: 17.7pt;">
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    <table cellspacing="0" cellpadding="0" id="zfe8522c4f61248babc3e0f30cd92fa82" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse;">

        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: left; line-height: 17.7pt;"><font style="font-family: 'Manulife JH Sans Demibold', sans-serif; font-size: 9.5pt; font-weight: bold;">Media Relations Contact:</font></div>
            <div style="text-align: left; line-height: 17.7pt;"><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">Brooke Tucker-Reid</font></div>
            <div style="text-align: left; line-height: 17.7pt;"><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">Manulife</font></div>
            <div style="text-align: left; line-height: 17.7pt;"><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">647-528-9601</font></div>
            <div style="text-align: left; line-height: 17.7pt;"><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt; color: #0000FF;"><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;"><u>brooke_tucker-reid@manulife.com</u></font></font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: left; line-height: 17.7pt;"><font style="font-family: 'Manulife JH Sans Demibold', sans-serif; font-size: 9.5pt; font-weight: bold;">Investor Relations:</font></div>
            <div style="text-align: left; line-height: 17.7pt;"><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">Adrienne O&#8217;Neill</font></div>
            <div style="text-align: left; line-height: 17.7pt;"><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">Manulife</font></div>
            <div style="text-align: left; line-height: 17.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 9.5pt;">416-926-6997</font></div>
            <div style="text-align: left; line-height: 17.7pt;"><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;"><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt; color: #0000FF;"><u>adrienne_oneill@manulife.com</u></font></font></div>
            <div style="line-height: 17.7pt;"><font style="line-height: 17.7pt;">&#160;</font></div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; line-height: 17.7pt;"><font style="font-family: 'Manulife JH Sans Demibold', sans-serif; font-size: 9.5pt; font-weight: bold;"><br style="line-height: 17.7pt;">
        <br>
        <font style="font-family: 'Manulife JH Sans Demibold', sans-serif; font-size: 9.5pt; font-weight: bold;"></font></font></div>
    <br>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
