<SEC-DOCUMENT>0001086888-19-000086.txt : 20191106
<SEC-HEADER>0001086888-19-000086.hdr.sgml : 20191106
<ACCEPTANCE-DATETIME>20191106170652
ACCESSION NUMBER:		0001086888-19-000086
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		5
CONFORMED PERIOD OF REPORT:	20191106
FILED AS OF DATE:		20191106
DATE AS OF CHANGE:		20191106

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:		191197154

	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
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<DESCRIPTION>FORM6-K-3QNRS-6NOV2019
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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; background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">SECURITIES AND EXCHANGE COMMISSION</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Washington, D.C. 20549</div>
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    </div>
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    <div style="text-align: center; line-height: 15.95pt; font-family: 'Times New Roman', serif; font-size: 14pt; font-weight: bold;">Form 6-K
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 9.1pt;"><br style="line-height: 9.1pt;">
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    <div style="text-align: center; line-height: 13.7pt; 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;">FOREIGN</font>
      PRIVATE ISSUER PURSUANT TO RULE 13<font style="font-family: 'Times New Roman Bold', 'Times New Roman', serif;">a</font>-16 OR <font style="font-family: 'Times New Roman Bold', 'Times New Roman', serif;">15d</font>-16
      UNDER THE</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">SECURITIES EXCHANGE ACT OF 1934</div>
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    <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">For the month of <u>November, 2019</u></div>
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    <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Commission File Number: 1-14942</div>
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    <div style="text-align: center; line-height: 18.25pt; font-family: 'Times New Roman', serif; font-size: 16pt; font-weight: bold;">MANULIFE FINANCIAL CORPORATION
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    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman', serif;">(Translation of registrant's name into English)</div>
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    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">200 Bloor Street East</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">North Tower 10</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Toronto, Ontario, Canada M4W 1E5</div>
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      <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">(416) 926&#8209;3000</div>
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    </div>
    <div style="text-align: justify; line-height: 12.55pt; 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.</div>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Form 20-F</div>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Form 40-F</div>
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    <div style="line-height: 12.55pt; 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;">&#9723;</font></div>
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    <div style="line-height: 12.55pt; 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;">&#9723;</font></div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
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    <div style="line-height: 12.55pt; 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
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    <div style="line-height: 12.55pt; 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- ________.</div>
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    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">DOCUMENTS FILED AS PART OF THIS FORM 6-K</div>
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    <div style="text-indent: 36pt; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The following documents, filed as exhibits to this Form 6-K, are incorporated by reference as part of this Form 6-K:</div>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">99.1</div>
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          <td style="width: 86.75%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">News release &#8211; third quarter results dated November 6, 2019</div>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">99.2</div>
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          <td style="width: 86.75%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">News release &#8211; quarterly dividend announcement dated November 6, 2019</div>
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    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">SIGNATURES</div>
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    <div style="text-indent: 36pt; line-height: 12.55pt; 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
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            <div style="line-height: 15.95pt; font-family: 'Times New Roman', serif; font-size: 14pt;">MANULIFE FINANCIAL CORPORATION</div>
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          <td style="width: 58.52%; vertical-align: top;">&#160;</td>
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          <td style="width: 41.48%; vertical-align: top;">&#160;</td>
          <td style="width: 58.52%; vertical-align: top;">&#160;</td>
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          <td style="width: 58.52%; vertical-align: top;">&#160;</td>
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          <td style="width: 41.48%; vertical-align: top;">&#160;</td>
          <td style="width: 58.52%; vertical-align: top;">&#160;</td>
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            <div style="line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">By:</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman', serif; font-size: 11pt;"><font style="font-style: italic;">/s/</font>&#160;<font style="font-style: italic;">Kay Song</font></font></div>
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            <div style="line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Name:</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Kay Song</font></div>
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            <div style="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; <font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Assistant Corporate Secretary</font></div>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Date:&#160; November 6, 2019</div>
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    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">EXHIBIT INDEX</div>
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          <td style="width: 13.17%; vertical-align: top;">&#160;</td>
          <td style="width: 86.83%; vertical-align: top;">&#160;</td>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">99.1</div>
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          <td style="width: 86.83%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">News release &#8211; third quarter results dated November 6, 2019</div>
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          <td style="width: 86.83%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">News release &#8211; quarterly dividend announcement dated November 6, 2019</div>
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    <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt; font-weight: bold;">November 6, 2019</div>
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            <div style="line-height: 10.25pt; margin-bottom: 3pt; font-family: 'Arial Narrow', sans-serif; font-size: 9pt;">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 Third Quarter 2019 Report to Shareholders, including our unaudited Interim Consolidated Financial Statements for the three and nine months ended September 30, 2019, 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 <u><font style="font-size: 8pt;">www.manulife.com/en/investors/results-and-reports</font></u><font style="font-family: 'Times New Roman', serif;">.</font>&#160;Additional information relating to the Company is available on the SEDAR website at <u>http://www.sedar.com</u> and on the U.S. Securities and Exchange Commission's (&#8220;SEC&#8221;) website at
              <u>http://www.sec.gov</u><font style="font-family: 'Times New Roman', serif;">.</font></div>
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    <br>
    <div style="margin-right: 2.9pt; line-height: 13.7pt; margin-top: 6pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 12pt; font-weight: bold;"><u>Manulife reports 3Q19 net income of $0.7 billion and core earnings of $1.5
        billion with solid growth in Asia</u></div>
    <div style="margin-right: 12.6pt; line-height: 12.55pt; margin-bottom: 3pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">Today, Manulife announced its 3Q19 results. Key highlights include:</div>
    <div>
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              <div style="line-height: 12.55pt; margin-bottom: 2pt; font-size: 11pt;">&#9726;</div>
            </td>
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              <div style="line-height: 12.55pt; margin-bottom: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">Net income attributed to shareholders of $0.7 billion in 3Q19, down $0.9 billion from 3Q18. 3Q19 results included the
                previously-announced URR impact of $0.5 billion.</div>
            </td>
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              <div style="line-height: 12.55pt; margin-bottom: 2pt; font-size: 11pt;">&#9726;</div>
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            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 12.55pt; margin-bottom: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">Core earnings<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $1.5 billion in 3Q19, in line with 3Q18</div>
            </td>
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      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 2pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z1b528fa1c07f4ac997ec358c86574068">

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              <div style="line-height: 12.55pt; margin-bottom: 2pt; font-size: 11pt;">&#9726;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 12.55pt; margin-bottom: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">Core ROE<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of 13.0% and ROE of 5.9% in 3Q19</div>
            </td>
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              <div style="line-height: 12.55pt; margin-bottom: 2pt; font-size: 11pt;">&#9726;</div>
            </td>
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              <div style="line-height: 12.55pt; margin-bottom: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">NBV<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $0.5 billion in 3Q19, up 14%<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> from 3Q18</div>
            </td>
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              <div style="line-height: 12.55pt; margin-bottom: 2pt; font-size: 11pt;">&#9726;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 12.55pt; margin-bottom: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">APE sales<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $1.4 billion in 3Q19, in line with 3Q18</div>
            </td>
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      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 2pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z67ab9d6af40b4b5b9b5b126886f68f5f">

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              <div style="line-height: 12.55pt; margin-bottom: 2pt; font-size: 11pt;">&#9726;</div>
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              <div style="line-height: 12.55pt; margin-bottom: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">WAM net outflows<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $4.4 billion in 3Q19 compared with net flows of $0.4
                billion in 3Q18</div>
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              <div style="line-height: 12.55pt; margin-bottom: 2pt; font-size: 11pt;">&#9726;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 12.55pt; margin-bottom: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">Strong LICAT ratio<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup> of 146%</div>
            </td>
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              <div style="line-height: 12.55pt; margin-bottom: 2pt; font-size: 11pt;">&#9726;</div>
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            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 12.55pt; margin-bottom: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">The impact to net income of the annual actuarial review was approximately net neutral in total and for LTC.</div>
            </td>
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    <div style="line-height: 12.55pt; margin-top: 6pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">&#8220;We delivered solid core earnings in line with a very strong prior year quarter, driven by double-digit growth in Asia,&#8221;
      said Manulife President &amp; Chief Executive Officer Roy Gori.</div>
    <div style="line-height: 12.55pt; margin-top: 6pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">&#8220;We continued to execute against our strategic priorities, with portfolio optimization initiatives announced to date
      resulting in a cumulative capital benefit of $3.9 billion. We also expanded Manulife&#8217;s distribution capabilities across our global footprint, entering into long-term partnerships in mainland China and Vietnam,&#8221; added Mr. Gori.</div>
    <div style="margin-right: 12.95pt; line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">Phil Witherington, Chief Financial Officer, said, &#8220;Our insurance businesses delivered 14% growth in new business
      value<font style="font-family: 'Times New Roman', serif;">,</font> while the retail and retirement business lines of our Global Wealth and Asset Management business achieved strong net inflows of almost $3 billion. Institutional net outflows
      reflected the decision by one client to internalize the management of several large, primarily fixed income, mandates.&#8221;</div>
    <div style="margin-right: 12.95pt; line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">&#8220;We are pleased to have ended the quarter in a strong capital position, including an increase in our LICAT ratio to
      146% and a reduction in our leverage ratio to 26.1%,&#8221; added Mr. Witherington.</div>
    <div style="line-height: 12.55pt; margin-top: 12pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt; font-weight: bold;">BUSINESS HIGHLIGHTS:</div>
    <div style="line-height: 12.55pt; margin-top: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">We made further progress on our portfolio optimization strategic priority, renegotiating reinsurance agreements on a universal life block in
      Canada that resulted in a capital benefit of approximately $120 million. In our long-term care (&#8220;LTC&#8221;) business, we continued to make progress in securing premium rate increases, and introduced innovative co-pay options to our LTC customers to manage
      higher rates<font style="font-family: 'Times New Roman', serif;">.</font></div>
    <br>
    <br>
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    <div style="line-height: 9.1pt; margin-bottom: 2pt;">
      <div>
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            <tr>
              <td style="width: 18pt; vertical-align: top;"><sup style="font-family: 'Times New Roman', serif; vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-family: 'Arial Narrow', sans-serif; font-size: 8pt;">Core earnings, core return on common shareholders&#8217; equity (&#8220;core ROE&#8221;), new business value (&#8220;NBV&#8221;), annualized premium equivalent (&#8220;APE&#8221;) sales and net flows are non-GAAP
                  measures. See &#8220;Performance and non-GAAP measures&#8221; below and in our Third Quarter 2019 Management&#8217;s Discussion and Analysis (&#8220;3Q19 MD&amp;A&#8221;) for additional information.</div>
              </td>
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    </div>
    <div style="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%; text-align: left; color: #000000;" class="DSPFListTable" id="z8481ffe015e24e4c84953cd3c331ab14">

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              <td style="width: 17.3pt; vertical-align: top;"><sup style="font-family: 'Times New Roman', serif; vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-family: 'Arial Narrow', sans-serif; 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 3Q19 MD&amp;A for additional information.</div>
              </td>
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        </table>
      </div>
    </div>
    <div style="line-height: 9.1pt; margin-bottom: 2pt;">
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              <td style="width: 18pt; vertical-align: top;"><sup style="font-family: 'Times New Roman', serif; vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-family: 'Arial Narrow', sans-serif; font-size: 8pt;">Life Insurance Capital Adequacy Test (&#8220;LICAT&#8221;) ratio of The Manufacturers Life Insurance Company (&#8220;MLI&#8221;).</div>
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      </div>
    </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 id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageFooter" style="width: 100%;">November 6, 2019 - Press Release Reporting Third Quarter Results</div>
      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-size: 9pt; font-weight: normal; font-style: normal;">1</font></div>
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        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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    </div>
    <div style="line-height: 12.55pt; margin-top: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">During the quarter, we continued to enhance and expand our global distribution capabilities. In Asia, we entered into a long-term strategic
      partnership with HaoDf.com, a leading online medical platform in mainland China, as well as a new bancassurance relationship in Vietnam with Asia Commercial Bank.</div>
    <div style="line-height: 12.55pt; margin-top: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt; font-weight: bold;">FINANCIAL HIGHLIGHTS:</div>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="6" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;"> </font></div>
            <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">Quarterly Results</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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            <div style="line-height: 0pt;"><font style="line-height: 0pt;"> </font></div>
            <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">YTD Results</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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          <td valign="bottom" style="vertical-align: bottom; width: 52%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -12pt; margin-right: 18.6pt; margin-left: 12pt; line-height: 10.25pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 9pt;">($ millions, unless otherwise stated)</div>
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          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">3Q19</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">3Q18</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">2019</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">2<font style="font-family: 'Times New Roman', serif;">0</font>18</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="margin-right: 18.6pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">Profitability:</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Net income attributed to shareholders</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">723</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1,573</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">4,374</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">4,207</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Core earnings<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,527</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1,539</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">4,527</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">4,273</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Diluted earnings per common share ($)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">0.35</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;"><font style="font-family: 'Times New Roman', serif;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;"><font style="font-family: 'Times New Roman', serif;">0.</font>77</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">2.16</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">2.05</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Diluted core earnings per common share ($)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">0.76</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">0.75</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">2.24</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">2.09</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Return on common shareholders&#8217; equity (&#8220;ROE&#8221;)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">5.9</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">15.1</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">12.8</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">13.9</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Core ROE<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">13.0</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">14.8</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">13.3</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">14.1</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="margin-right: 18.6pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Expense efficiency ratio<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">51.4</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">49.5</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">51.2</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">5<font style="font-family: 'Times New Roman', serif;">0.</font>9</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">Growth:</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: 4.5pt; margin-left: 8.25pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Asia new business value</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">430</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">382</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,205</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1,041</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: 4.5pt; margin-left: 8.25pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Canada new business value</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">51</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">42</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">178</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">156</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: 4.5pt; margin-left: 8.25pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">U.S. new business value</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">45</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">28</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">141</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">50</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Total new business value<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">526</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">452</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,524</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1,247</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: 4.5pt; margin-left: 8.25pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Asia APE sales</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,052</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1,070</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">3,303</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">2,972</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: 4.5pt; margin-left: 8.25pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Canada APE sales</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">235</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">210</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">786</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">698</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: 4.5pt; margin-left: 8.25pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">U.S. APE sales</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">156</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">159</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">453</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">401</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Total APE sales<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,443</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1,439</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">4,542</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">4,071</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 3.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Wealth and asset management net flows ($ billions)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">(4.4</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;"><font style="font-family: 'Times New Roman', serif;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;"><font style="font-family: 'Times New Roman', serif;">0.</font>4</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">(5.8</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">10.5</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 3.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Wealth and asset management gross flows ($ billions)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">28.0</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">27.1</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">81.3</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">92.7</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 3.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Wealth and asset management assets under management and administration ($ billions)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">659.2</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">644.0</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">659.2</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">644.0</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="margin-right: 18.6pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">Financial Strength:</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">MLI&#8217;s LICAT ratio</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">146</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">134</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">146</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">134</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Financial leverage ratio</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">26.1</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">29.2</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">26.1</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">29.2</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Book value per common share ($)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">23.51</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">20.24</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">23.51</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">20.24</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Book value per common share excluding AOCI ($)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">19.60</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">18.23</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">19.60</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">18.23</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>

    </table>
    <div style="line-height: 9.1pt; margin-top: 2pt;">
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z205d0d95bf1d45b195f3a0f69fd09ee8">

            <tr>
              <td style="width: 18pt; vertical-align: top; font-family: 'Arial Narrow','sans-serif'; font-size: 8pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-family: 'Arial Narrow', sans-serif; font-size: 8pt;">This item is a non-GAAP measure. See &#8220;Performance and non-GAAP measures&#8221; below and in our 3Q19 MD&amp;A for additional information.</div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div style="line-height: 12.55pt; margin-top: 12pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt; font-weight: bold;">PROFITABILITY:</div>
    <div style="margin-right: 21.6pt; line-height: 12.55pt; margin-top: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt; font-weight: bold;">Reported net income attributed to shareholders of $0.7 billion in 3Q19, down $0.9 billion from 3Q18</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">The decrease compared with 3Q18 was primarily driven by investment-related experience charges compared with gains in 3Q18, as well as a
      $0.5 billion charge related to updated Ultimate Reinvestment Rate (&#8220;URR&#8221;) assumptions issued by the Canadian Actuarial Standards Board. Investment-related experience in 3Q19 reflected lower-than-expected returns (including fair value changes) on
      alternative long-duration assets (&#8220;ALDA&#8221;), partially offset by favourable credit experience. While returns in 3Q19 were lower than expected, year-to-date returns were strong and exceeded our reserving assumptions.</div>
    <div style="line-height: 12.55pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt; font-weight: bold;">Achieved core earnings of $1.5 billion in 3Q19, in line with 3Q18</div>
    <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">On a constant exchange rate basis, core earnings decreased 2% compared with 3Q18. In-force business growth in Asia was more than offset by
      the impact on earnings of actions taken over the last 12 months to improve the capital efficiency of our legacy businesses, as well as lower new business volumes in Japan. Core earnings in 3Q19 included net policyholder experience gains of $21
      million post-tax compared with $19 million post-tax in 3Q18.</div>
    <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;"> <br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div id="DSPFPageFooter" style="width: 100%;">November 6, 2019 - Press Release Reporting Third Quarter Results</div>
      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-size: 9pt; 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;"><br style="line-height: 12.55pt;">
    </div>
    <div style="line-height: 12.55pt; font-family: 'Manulife JH Sans','sans-serif'; font-size: 11pt; font-weight: bold;">BUSINESS GROWTH:</div>
    <div style="margin-right: 21.6pt; line-height: 12.55pt; margin-top: 6pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt; font-weight: bold;">Achieved new business value (&#8220;NBV&#8221;) of $526 million in 3Q19, an increase of 14% compared with 3Q18</div>
    <div style="line-height: 12.55pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">In Asia, NBV increased 10% to $430 million, driven by a more favourable business mix, partially offset by lower sales in Japan as explained below. In Canada,
      NBV of $51 million was up 21% from the prior year period, driven by higher insurance sales and a more favourable business mix in group insurance. In the U.S., NBV increased 62% to $45 million, primarily as a result of recent actions to improve
      margins, as well as a more favourable product mix.</div>
    <div style="line-height: 12.55pt; margin-top: 6pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt; font-weight: bold;">Reported annualized premium equivalent (&#8220;APE&#8221;) sales of $1.4 billion in 3Q19, in line with 3Q18</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">In Asia, APE sales decreased 4% as strong growth in Hong Kong and Asia Other<sup style="font-family: 'Times New Roman', serif; vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup>
      was more than offset by lower sales in Japan. APE sales in Japan decreased 54% due to the temporary suspension of sales of corporate-owned life insurance products until new tax regulations were issued in 3Q19. Hong Kong APE sales increased 58% driven
      by the success of recently-launched health insurance and participating products. In Canada, APE sales increased 12% driven by the introduction of Manulife Par in the second half of last year. In the U.S., APE sales decreased 3% driven by universal
      life, as higher international sales were more than offset by lower domestic sales.</div>
    <div style="margin-right: 21.6pt; line-height: 12.55pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt; font-weight: bold;">Reported Global Wealth and Asset Management net outflows of $4.4 billion in 3Q19 compared with net flows of $0.4
      billion in 3Q18</div>
    <div style="line-height: 12.55pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;"><font style="font-family: 'Arial Narrow','sans-serif';">Net flows in Asia were $2.3 billion in 3Q19, up $1.3 billion from 3Q18, driven by lower retail
        redemptions and higher institutional gross flows.</font><font style="font-family: 'Arial Narrow','sans-serif';"><sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> Net outflows in Canada were $6.9 billion in 3Q19 compared with net outflows of $1.5
        billion in 3Q18, due to the&#160;decision by one institutional client to internalize the management of several large, primarily fixed income, mandates. Net flows in the U.S. were $0.1 billion in 3Q19, improving for the third consecutive quarter.
        Compared with 3Q18, U.S. net flows decreased $0.8 billion, primarily due to the funding of a large institutional mandate in 3Q18, partially offset by lower retail redemptions.</font></div>
    <div style="line-height: 12.55pt; margin-top: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt; font-weight: bold;">QUARTERLY EARNINGS RESULTS CONFERENCE CALL</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">Manulife Financial Corporation will host a Third Quarter Earnings Results Conference Call at 8:00 a.m. ET on November 7, 2019. For local
      and international locations, please call 416-340-2218 or toll free, North America 1-800-377-0758. 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 November 7, 2019 through February 7, 2020 by calling 905-694-9451 or 1-800-408-3053 (passcode: 4700000#).</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;"><font style="font-family: 'Arial Narrow','sans-serif';">The conference call will also be webcast through Manulife&#8217;s website at 8:00 a.m. ET
        on November 7, 2019. You may access the webcast at: </font><u><font style="font-family: 'Arial Narrow','sans-serif';">www.manulife.com/en/investors/results-and-reports</font></u><font style="font-family: 'Arial Narrow','sans-serif';">. 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="line-height: 12.55pt; margin-top: 6pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;"><font style="font-family: 'Arial Narrow','sans-serif';">The Third Quarter 2019 Statistical Information Package is also
        available on the Manulife website at:</font><font style="font-family: 'Arial Narrow','sans-serif';">&#160;<u>www.manulife.com/en/investors/results-and-reports</u>.</font></div>
    <div style="line-height: 12.55pt; font-family: 'Arial Narrow','sans-serif';"><br style="line-height: 12.55pt;">
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z42dbb09004c24ac69d8f295a2aa1d031">

        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt; font-weight: bold;">Media Inquiries</div>
            <div style="line-height: 12.55pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">Brooke Tucker-Reid</div>
            <div style="line-height: 12.55pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">(647) 528-9601</div>
            <div style="line-height: 12.55pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">brooke_tucker-reid@manulife.com</div>
            <div style="line-height: 12.55pt; font-family: 'Arial Narrow','sans-serif';"><font style="line-height: 12.55pt;">&#160;</font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt; font-weight: bold;">Investor Relations</div>
            <div style="line-height: 12.55pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">Adrienne O&#8217;Neill</div>
            <div style="line-height: 12.55pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">(416) 926-6997</div>
            <div style="line-height: 12.55pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">adrienne_oneill@manulife.com</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 12.55pt; font-family: 'Arial Narrow','sans-serif';"><br style="line-height: 12.55pt;">
    </div>
  </div>
  <div><br>
    <div><br>
    </div>
    <br>
    <font style="font-family: 'Arial Narrow','sans-serif';"></font></div>
  <div><font style="font-family: 'Arial Narrow','sans-serif';"><br>
    </font>
    <hr noshade="noshade" align="left" style="background-color: #000000; border: 0px; height: 1px; width: 2in; margin-left: 0pt; margin-right: auto; color: #000000;">
    <div style="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%; text-align: left; color: #000000;" class="DSPFListTable" id="ze2df534869814cc0a2601eeef6a0ca5c">

            <tr>
              <td style="width: 18pt; vertical-align: top; font-family: 'Arial Narrow','sans-serif';"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></td>
              <td style="width: auto; vertical-align: top; font-family: 'Arial Narrow','sans-serif';">
                <div style="font-size: 8pt;">Asia Other excludes Japan and Hong Kong.</div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div style="line-height: 9.1pt; margin-bottom: 6pt;">
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z8de22226ca45452ba45d13e39dc0b679">

            <tr>
              <td style="width: 18pt; vertical-align: top; font-family: 'Arial Narrow','sans-serif';"><sup style="font-family: 'Times New Roman', serif; vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup></td>
              <td style="width: auto; vertical-align: top; font-family: 'Arial Narrow','sans-serif';">
                <div style="font-size: 8pt;">Gross flows is a non-GAAP measure. See &#8220;Performance and non-GAAP measures&#8221; below and in our 3Q19 MD&amp;A for additional information.</div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div><br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div id="DSPFPageFooter" style="width: 100%;">November 6, 2019 - Press Release Reporting Third Quarter Results</div>
      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-size: 9pt; 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="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt; font-weight: bold;">EARNINGS:</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">The following table reconciles core earnings to net income (loss) attributed to shareholders:</div>
    <table cellspacing="0" cellpadding="0" id="z35c10d97d96442d2939af600c71f30e1" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="10" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;"> </font></div>
            <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">Quarterly Results</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="6" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;"> </font></div>
            <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">YTD Results</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -12pt; margin-right: 18.6pt; margin-left: 12pt; line-height: 10.25pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 9pt;">($ millions)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">3Q19</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">2Q19</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">3Q18</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">2019</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">2018</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="margin-right: 18.6pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;"><font style="font-weight: bold;">Core earnings</font><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Global Wealth and Asset Management (&#8220;Global WAM&#8221;)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">281</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">242</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">288</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">756</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">754</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Asia</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">520</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">471</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">461</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,511</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1,303</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Canada</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">318</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">312</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">344</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">913</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1,022</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">U.S.</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">471</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">441</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">467</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,387</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1,335</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="margin-right: 18.6pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Corporate and Other (excluding core investment gains)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">(163</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(114</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(121</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">(340</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(441</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Core investment gains<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">100</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">100</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">100</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">300</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">300</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">Total core earnings</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,527</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">1,452</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">1,539</font></div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
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            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">4,273</font></div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <td valign="bottom" style="vertical-align: bottom; width: 40%;">
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            <div style="text-indent: -9.35pt; margin-left: 9.35pt; line-height: 11.4pt; margin-top: 6pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">Items excluded from core earnings:</div>
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          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">146</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">312</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">184</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">330</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" colspan="2" rowspan="1" style="vertical-align: bottom; width: 40%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 16.75pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Direct impact of equity markets and interest rates and</div>
            <div style="text-indent: -9pt; margin-right: 16.75pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">&#160;&#160; variable annuity guarantee liabilities<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(3)</sup></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">(494</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(144</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(277</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">(389</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(182</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 16.75pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Change in actuarial methods and assumptions</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">(21</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(51</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">(21</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(51</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 3.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Reinsurance transactions</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif; font-weight: bold;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">63</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(65</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow',sans-serif; font-weight: bold;">115</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">33</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Restructuring charge</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif; font-weight: bold;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif; font-weight: bold;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(200</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Tax-related items and other</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif; font-weight: bold;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(42</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">115</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">(42</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">4</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">Net income (loss) attributed to shareholders</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">723</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">1,475</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">1,573</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">4,374</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">4,207</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>

    </table>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2pt; margin-bottom: 2pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf27e564c412d4d08a3643d2b0f2a8fe5">

          <tr>
            <td style="width: 18pt; vertical-align: top;">
              <div style="line-height: 9.1pt; margin-top: 2pt; margin-bottom: 2pt; font-family: 'Arial Narrow',sans-serif; font-size: 8pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 9.1pt; margin-top: 2pt; margin-bottom: 2pt; font-family: 'Arial Narrow',sans-serif; font-size: 8pt;">2018 comparatives for core earnings in each segment have been updated to reflect the 2019 methodology for allocating
                capital and interest on surplus to our insurance segments from the Corporate and Other segment.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2pt; margin-bottom: 2pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf0f87e4523d744cd9c548725b62ca96f">

          <tr>
            <td style="width: 18pt; vertical-align: top;">
              <div style="line-height: 9.1pt; margin-top: 2pt; margin-bottom: 2pt; font-family: 'Arial Narrow',sans-serif; font-size: 8pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 9.1pt; margin-top: 2pt; margin-bottom: 2pt; font-family: 'Arial Narrow',sans-serif; font-size: 8pt;">This item is a non-GAAP measure. See &#8220;Performance and non-GAAP measures&#8221; below and in our 3Q19 MD&amp;A for
                additional information.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2pt; margin-bottom: 6pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf80bf2d2e1434d4797f656e52e287c23">

          <tr>
            <td style="width: 18pt; vertical-align: top;">
              <div style="line-height: 9.1pt; margin-top: 2pt; margin-bottom: 6pt; font-family: 'Arial Narrow',sans-serif; font-size: 8pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(3)</sup></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 9.1pt; margin-top: 2pt; margin-bottom: 6pt; font-family: 'Arial Narrow',sans-serif; font-size: 8pt;">The direct impact of equity markets and interest rates and variable annuity guarantee liabilities includes a $500
                million charge in 3Q19 related to changes to the ultimate reinvestment rate (&#8220;URR&#8221;). See our 3Q19 MD&amp;A for additional information.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 13.7pt; margin-top: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow','sans-serif'; font-size: 12pt; font-weight: bold;">PERFORMANCE AND NON-GAAP MEASURES:</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">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 Third Quarter 2019 MD&amp;A and 2018 MD&amp;A.</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;"> <br>
    </div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;"> <br>
    </div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;"> <br>
    </div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;"> <br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div id="DSPFPageFooter" style="width: 100%;">November 6, 2019 - Press Release Reporting Third Quarter Results</div>
      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-size: 9pt; font-weight: normal; font-style: normal;">4</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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    <!--PROfilePageNumberReset%Num%5%%%-->
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="margin-right: 21.6pt; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt; font-weight: bold;">CAUTION REGARDING FORWARD-LOOKING STATEMENTS:</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow','sans-serif'; 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.</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">The forward-looking statements in this document include, but are not limited to, statements with respect to 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.</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow','sans-serif'; 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.</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow','sans-serif'; 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.</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">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 under &#8220;Risk Management&#8221;, &#8220;Risk Factors&#8221; and &#8220;Critical Accounting and Actuarial Policies&#8221; in the Management&#8217;s Discussion and Analysis in our most recent annual
      report, under &#8220;Risk Management and Risk Factors Update&#8221; and &#8220;Critical Accounting and Actuarial Policies&#8221; in the Management&#8217;s Discussion and Analysis in our most recent interim report, in the &#8220;Risk Management&#8221; note to the consolidated financial
      statements in our most recent annual and interim reports and elsewhere in our filings with Canadian and U.S. securities regulators.</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow','sans-serif'; 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.</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;"> <br>
    </div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;"> <br>
    </div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;"> <br>
    </div>
  </div>
  <div id="DSPFPageFooter" style="width: 100%;">November 6, 2019 - Press Release Reporting Third Quarter Results</div>
  <div id="DSPFPageFooter" style="width: 100%;"> <br>
  </div>
  <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-size: 9pt; font-weight: normal; font-style: normal;">5</font></div>
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<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>3
<FILENAME>exhibit99-2.htm
<DESCRIPTION>EXHIBIT99-2-COMSHRSDIV-6NOV2019
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Manulife Financial Corporation
         Document created using EDGARfilings PROfile 6.4.0.0
         Copyright 1995 - 2019 Broadridge -->
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<body bgcolor="#ffffff" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000;">
  <div><br>
  </div>
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  <div><br>
  </div>
  <div>
    <div id="DSPFPageHeader">
      <div style="line-height: 12.55pt;"><img width="136" height="23" src="image0.jpg"></div>
    </div>
    <div style="text-indent: 90.85pt; line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 29.65pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 26pt; font-weight: bold;">News<br>
      Release</div>
    <div style="line-height: 17.7pt;"><br style="line-height: 17.7pt;">
    </div>
    <div style="line-height: 17.7pt;"><font style="font-family: 'Manulife JH Sans',sans-serif; font-size: 9.5pt; font-weight: bold;">C$ unless otherwise stated</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 288pt; font-weight: bold;" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-family: 'Manulife JH Sans',sans-serif; font-size: 9.5pt; font-weight: bold;">TSX/NYSE/PSE: MFC&#160; &#160;&#160; SEHK: 945<br>
        For Immediate Release<br>
        November 6, 2019</font></div>
    <div style="line-height: 13.7pt;"><font style="font-family: 'Manulife JH Sans Demibold', sans-serif; font-size: 12pt;"><br style="line-height: 13.7pt;">
        <br>
        <font style="font-size: 12.5pt;">Manulife Financial Corporation Declares Common Share Dividend</font><br>
      </font><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 12.55pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 11pt;"><font style="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 December 19, 2019 to shareholders of record at the close of business on November 19, 2019.</div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="line-height: 12.55pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 11pt;">In respect of the Company&#8217;s Canadian Dividend Reinvestment and Share Purchase Plan and its U.S. Dividend Reinvestment and Share Purchase Plan, the Company
      will issue common shares from treasury in connection with the reinvestment of dividends and optional cash purchases under these plans. 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.</div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="line-height: 12.55pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 11pt;"><font style="font-weight: bold;">About Manulife</font><br>
      Manulife Financial Corporation is a leading international financial services group that helps people make their decisions easier and lives better. With our global headquarters in Toronto, we operate as Manulife across our offices in Canada, Asia, and
      Europe, and primarily as John Hancock in the United States. 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 September 30, 2019, we had over $1.2 trillion (US$881 billion) in assets under management and administration, and in the previous 12 months we made
      $29.8 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. We trade as 'MFC' on the Toronto, New York, and the Philippine stock exchanges and
      under '945' in Hong Kong.</div>
    <div style="line-height: 14.9pt;"><br style="line-height: 14.9pt;">
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z6bda63394a894a5ab5978aaba277bcf5">

        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans Demibold', sans-serif; font-size: 9.5pt; font-weight: bold;">Media Relations Contact:</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">Brooke Tucker-Reid</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">Manulife</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">647-528-9601</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">brooke_tucker-reid@manulife.com</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans Demibold', sans-serif; font-size: 9.5pt; font-weight: bold;">Investor Relations:</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">Adrienne O&#8217;Neill</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">Manulife</div>
            <div style="line-height: 16.25pt; font-family: 'Times New Roman', serif; font-size: 9.5pt;">416-926-6997</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">adrienne_oneill@manulife.com</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 20.5pt;"><br style="line-height: 20.5pt;">
    </div>
  </div>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
